Legal subjectivity:

1. What fees are required to pay for a loan to buy a house? After choosing a loan method, the home buyer can go to the relevant department to handle the loan procedures. While handling the loan procedures, You also need to pay the following fees: 1. Lawyer fees: 3‰ of the loan amount applied for. If the amount is less than 100 yuan, it will be charged at 100 yuan; for housing provident fund loans, no attorney fees will be charged; but if it is a combination loan, the commercial loan portion will be charged at 3‰. 2. Notary fees: If notarization is required for the purchase of a house, a certain proportion of notary fees must be paid. The notary fees are generally 200 to 400 yuan, or charged according to the notary office charging standards. 3. Insurance premium: It is divided into two forms. At present, the following form 1) is generally used. 1) Mortgage plus joint liability guarantee: insurance premium = house payment Amount X annual insurance premium rate The procedures are relatively complicated, so most buyers entrust developers, law firms or other intermediaries to handle them uniformly. If you do not need to entrust an agent to handle it or notarize it, you do not need to pay these two fees. 2. The specific process of buying a house with a loan. Step 1: Both the buyer and the seller prepare complete documents and meet with a lawyer. The second step: the appraisal company evaluates the house, and the lawyer issues a legal opinion; the third step: the bank reviews the law objectively:

Article 5 of the "Notice on Opinions on Adjusting the Housing Supply Structure to Stabilize Housing Prices" distinguishes Moderately adjust housing consumption credit policies. In order to curb the rapid rise in housing prices, starting from June 1, 2006, the down payment ratio of personal housing mortgage loans shall not be less than 30%. Taking into account the housing needs of low- and middle-income people, the down payment ratio of 20% is still implemented for those who purchase self-occupied houses with a floor area of ??less than 90 square meters.