Housing mortgage loan fee: (1) The interest rate of housing mortgage bank loan is 5.94% per annum. Interest rates will go up or down according to different situations of different people (up to 30%). (2) Handling fees include appraisal fees, insurance fees, loan contract notarization fees, mortgage registration fees, etc. The total cost is several thousand to ten thousand yuan (depending on your loan amount and the bank you choose). The repayment rate is based on the life of your loan: annual interest rate (%) 1. Short-term loans within six months (including six months) 5. 10 Six months to one year (including one year) 5.56 2. Medium-and long-term loans for one to three years (including three years) 5.60 Three to five years (including five years) 5.96 More than five years 6.65438. Housing mortgage loan conditions: (1) Legal status: stable economic income, ability to repay the principal and interest of the loan, property ownership certificate without bad credit record, identity card of the right holder and spouse, household registration book of the right holder and spouse, marriage certificate of the right holder (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau) (2) Income certificate: if the property ownership certificate holder has minor children, please provide birth certificate; if there is bank loan in the property. In order to improve the loan pass rate, please provide other family property certificates as far as possible (such as separate real estate license, stocks, funds, cash passbook, vehicle driving license, etc.). ). The mortgage loan requires the house to be within 20 years; The housing area should be more than 50 square meters; The house should be highly mobile. (3) Limit on the value of real estate mortgage loan: the amount of real estate mortgage loan is 70% of the appraised value of the house, and the loan period of real estate mortgage loan shall not exceed 30 years for new house loans and 20 years for second-hand houses.
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How to calculate the mortgage fee?
Calculation method of mortgage fee:
1, deed tax. Loan amount × 1.5%.
2. Notary fees. Usually the loan amount is ×0.3%.
3. Insurance premium. Loan amount × loan term × insurance rate.
4. Maintenance fund. Loan amount ×2.5%.
5. Transaction costs. 3 yuan/m2.
6. Mortgage fees. Usually the loan amount is ×0.08%.
7. Production cost. 80 yuan/piece.
For more information on how to calculate mortgage fees, please visit: See More.
Is there a handling fee for buying a house loan?
With the continuous development of China's economy, the real estate industry is also rising day by day. Because of the imbalance between supply and demand, housing prices in China are also very high. Many citizens will choose loans to buy a house. So what are the handling fees for buying a house loan? In general, fees include appraisal fees, transaction fees and mortgage registration fees, as follows. 1. Is there a handling fee for borrowing money to buy a house in China? 1, mapping fee: the mapping fee is determined according to the specific conditions of each district, such as: ordinary residence 1.36 yuan/square, commercial housing 2.04 yuan/square, and production workshop 2.72 yuan/square. 2. Appraisal fee: 6,543.8+0.5% within 0,000 yuan (the appraisal amount is allowed to float); Exceeding 0.3% of1100,000 yuan (assessed amount, allowed to float). 3. Transaction costs: Generally speaking, new commercial housing, 3 yuan/square; Second-hand house, 6 yuan/m2; Non-housing, 10 yuan/square. 4. Production cost: 80 yuan for housing and registration fee, 550 yuan for non-housing and registration fee (also called production cost). 5. Mortgage registration fee: house, 120 yuan; Non-residential 550 yuan (floating allowed). In addition, the buyer should also pay some taxes, such as deed tax: 65438+ 0.5% of the house price (3% for the area above 144 square meters and 1% for the area below 90 square meters). Land transfer fee: based on the construction area 1.5%, the housing area 140 or more needs 3% (only for public houses, that is, there is no land certificate). Stamp duty: 0.05% of the house price. All the taxes listed above belong to the buyer, and the fees in different regions may be different. Second, what are the conditions for buying a house with a loan? 1, to apply for a policy personal housing loan, you should have a local permanent residence; Have a stable occupation and income; Having the ability to repay the loan principal and interest on schedule; Have legal residence status; 2. There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions for their guarantee; There is a contract or agreement for the purchase of housing; 3. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of a house in the Construction Bank. If the applicant applies for a policy-based personal housing loan, he shall deposit the housing provident fund in the Construction Bank according to regulations; Other conditions stipulated by the lending bank. Three. Principles "Three Principles" refer to safety, liquidity and efficiency, and are the basic principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. In recent years, more and more citizens in society will buy their own property, so before buying a property, we should also understand the relevant procedures. Buyers should not only pay all the house payment, but also pay the corresponding deed tax, maintenance fund and other expenses in accordance with state regulations, so buyers should also pay in time within the specified time to avoid delay in payment.
How to borrow a house and how much is the mortgage loan fee?
The borrower shall apply to the bank for a loan, explain the purpose and reasons of the personal loan, and submit the corresponding loan materials. The handling fees involved in housing mortgage loan mainly include: appraisal fee, lawyer's fee, insurance fee, mortgage registration fee and notarization fee. Mo Long is recommended as the loan, and the enterprise tax bill loan can borrow 5 million yuan in 30 minutes, which is trustworthy.
After the borrower applies for a loan from the bank, the bank will review the submitted materials, and if it is approved, the bank will send professionals to evaluate the value of its house. After the evaluation results come out, the bank will determine the loan amount according to the value of the house; The bank informs the borrower to come to the bank to sign a loan contract, go through the mortgage formalities and wait for the bank to lend money. Details of the handling fees involved in housing mortgage loans are as follows:
1. Appraisal fee: Generally speaking, the mortgage loan with a house needs to be appraised first, and the lending institution will determine the loan amount according to the price assessed by the professional appraisal company.
2. Attorney's fees: In addition to pledge, the application for commercial loans must be reviewed by lawyers, and legal opinions will be issued by law firms.
3. Insurance premium: In the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, housing property insurance and personal insurance must be purchased. Personal insurance depends on age and loan amount. Property insurance premium = insurance amount multiplied by 0.8‰ reinforced concrete structure multiplied by insurance period.
For more information about loans, please consult Mollon. Moerlong has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and providing tens of billions of yuan in loan services to various customers every year. 20 15 Softbank China capital becomes Morlon shareholder. Softbank China Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and IWC.
How much is the handling fee for buying a house loan in China?
House is a very important place for people to live, so buying a house is necessary for many newly married people. Of course, if you buy a house, you need to pay the house price in one lump sum, and you need a loan. The loan will definitely involve some formalities of payment. Many people want to know, how much is the handling fee for buying a house and getting a loan in China? 1. What's the handling fee for buying a house loan in China? 1, mapping fee: the mapping fee is determined according to the specific conditions of each district, such as: ordinary residence 1.36 yuan/square, commercial housing 2.04 yuan/square, and production workshop 2.72 yuan/square. 2. Appraisal fee: 6,543.8+0.5% within 0,000 yuan (the appraisal amount is allowed to float); Exceeding 0.3% of1100,000 yuan (assessed amount, allowed to float). 3. Transaction costs: Generally speaking, new commercial housing, 3 yuan/square; Second-hand house, 6 yuan/m2; Non-housing, 10 yuan/square. 4. Production cost: 80 yuan for housing and registration fee, 550 yuan for non-housing and registration fee (also called production cost). 5. Mortgage registration fee: house, 120 yuan; Non-residential 550 yuan (floating allowed). In addition, the buyer should also pay some taxes, such as deed tax: 65438+ 0.5% of the house price (3% for the area above 144 square meters and 1% for the area below 90 square meters). Land transfer fee: based on the construction area 1.5%, the housing area 140 or more needs 3% (only for public houses, that is, there is no land certificate). Stamp duty: 0.05% of the house price. All the taxes listed above belong to the buyer, and the fees in different regions may be different. Second, what documents do you need to buy a house? Generally speaking, the one-time payment for the purchase of a house can only provide a copy of the ID card of the purchaser. However, if mortgage to buy a house wants to provide the ID card, household registration book, copy of marriage certificate and the original income certificate of the buyer's husband and wife, the unmarried person needs to provide the unmarried certificate. If it is a second-hand house, the other party has a property right certificate, so you can just sign a contract with it. If you need to borrow from a bank, you need proof of identity, proof of marital status, proof of academic qualifications, proof of income and other materials to prove your qualifications, but it depends on the specific requirements of each lending bank. This is the certificate we need when we go through the formalities of buying a house. At the same time, when buying a house, we also need to look at the developer's documents, such as business license, construction land planning permit, construction project planning permit, state-owned land use permit, construction project construction permit, commercial housing pre-sale permit, etc. With these certificates, you can legally buy a house. According to the relevant laws and regulations, the procedures required for buying a house and applying for a loan include surveying and mapping fees and evaluation fees. If the house is registered as factory fee, it is 80 yuan. If you need a mortgage, there is also a mortgage registration fee, with a house 120 yuan and no house in 550 yuan.
Is there a handling fee for mortgage?
There is a handling fee for mortgage.
The loan service fee is generally charged by the bank, but it is also charged by a third party that helps the loan business. Loan service fees and charging standards depend on local conditions. You don't have to pay this fee to apply for a provident fund loan, but you only need to pay a guarantee fee (three thousandths of the loan amount, with a minimum of 300) and a house evaluation fee (three thousandths of the evaluation value, with a minimum of 300 and a maximum of 1500).
Extended data
Loan term:
The loan term shall be determined by the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.
Loan extension:
If the loan cannot be repaid on schedule, the borrower shall apply to the lender for loan extension before the loan maturity date. Whether the extension is decided by the lender. When applying for secured loan, mortgage loan or extension, the guarantor, mortgagor and pledger shall also issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement.
The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower fails to apply for extension or the extension application is approved at the end of the extension, the loan will be transferred to the overdue loan account from the day after the maturity date.