I know. Let's talk about the handling fee for provident fund loans.

1. What is the handling fee for provident fund loans?

Do I need to pay for the housing provident fund loan?

The housing provident fund management center handles housing provident fund loan procedures for individuals free of charge. The loan fees that the borrower needs to pay are mainly the cost of work and related management fees charged by the real estate department and the appraisal agency when handling the mortgage registration of real estate.

If it is handled through an intermediary company, it is necessary to pay a certain intermediary fee to the intermediary company.

Individuals who are unable to provide compliance guarantee and need the help of the guarantee company must pay a certain percentage of the guarantee fee to the guarantee company.

The expenses paid by individual housing provident fund loans mainly include evaluation fees, guarantee fees, loan service fees and related taxes and fees.

How is the handling fee for personal housing provident fund loans charged?

Guarantee fee: calculated according to the loan amount and loan life.

Agency fee: The charging standard is 300 yuan. Please consult your loan handling institution for details.

Appraisal fee: the charging standard is that the loan amount of the second-hand house in 300 yuan [1990] exceeds 30% of the total house price, and the second-hand house exceeds 50% of the total house price after 1990. The agency will appoint an appraisal company to conduct house appraisal.

When handling the mortgage registration of housing provident fund, a handling fee of 2‰ may be charged to the applicant.

2. What is the handling fee for provident fund loans?

Agency fee: The charging standard is 300 yuan. Appraisal fee: The charging standard is 300 yuan. When handling the mortgage registration of housing provident fund, a 2% handling fee can be charged to the mortgage applicant.

1. What is the handling fee for the provident fund loan? Housing provident fund management center for individuals to handle housing provident fund loan procedures, free of charge. The loan fees that borrowers need to pay are mainly the cost of work and related management fees charged by real estate departments and assessment agencies when handling the mortgage registration of real estate. If it is handled through an intermediary company, it is necessary to pay a certain intermediary fee to the intermediary company. Individuals who are unable to provide compliance guarantee and need the help of the guarantee company must pay a certain percentage of the guarantee fee to the guarantee company. The expenses paid by individual housing provident fund loans mainly include evaluation fees, guarantee fees, loan service fees and related taxes and fees. Personal housing provident fund loan fee collection: guarantee fee: agency fee is calculated according to the loan amount and loan life: the charging standard is 300 yuan, please consult your loan agency for details. Appraisal fee: the charging standard is that the loan amount of the second-hand house in 300 yuan [1990] exceeds 30% of the total house price, and the second-hand house exceeds 50% of the total house price after 1990. The agency will appoint an appraisal company to conduct house appraisal. When handling the mortgage registration of housing provident fund, a handling fee of 2‰ may be charged to the applicant. Second, the personal housing provident fund loan fee: the personal housing loan guarantee fee charged by the personal guarantee center of commercial housing and second-hand housing. The amount of guarantee fee charged by the guarantee center is related to the loan term and loan amount. The loan period is long, and the guarantee fee paid per ten thousand yuan is relatively high. Appraisal fees charged by appraisal companies for purchased houses. The assessment fee and guarantee fee are relatively high, which costs thousands of dollars. Personal housing provident fund loan fee: the only fee required for affordable housing, housing reform housing or fund-raising housing is the housing provident fund loan guarantee fee charged by the guarantee center. The specific calculation is: 1, insurance premium = loan amount (provident fund loan amount, bank loan amount) ×0.6‰× wholesale premium coefficient 2. Mortgage registration fee and stamp duty: if the loan amount (provident fund loan amount, bank loan amount) is less than 500,000 yuan, this fee is 235 yuan, which is more than 500,000 yuan; The price of this commodity is 385 yuan. 3. Notarization fee = loan amount (provident fund loan amount and bank loan amount) × 1‰ (minimum 200 yuan). As can be seen from the article, provident fund loan fees need to be paid, including evaluation fees, guarantee fees, loan service fees and related taxes and fees. The guarantee fee is directly related to the loan term and loan amount, and will increase with the increase of the loan term and loan amount. When using provident fund loans, you can use the above formula to calculate the handling fee of provident fund loans.

Third, how much do you know about the handling fee of provident fund loans?

The minimum down payment for the first suite of all provident fund loans is 30%.

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The contract or agreement that the housing provident fund is normally paid before the loan and continuously paid for more than half a year;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, have not less than 30% of the purchase value of owner-occupied housing (gold;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. Borrow a personal account and agree that the loan undertaking bank will directly deduct the loan principal and interest from this account every month.

Provident fund loan

1. The borrower applies for a loan at the accepting bank;

2. Accepting outlets handle families on their behalf.

3. Accept the acceptance of outlets;

4. examination and approval;

5. The real estate trading center shall handle the mortgage registration procedures;

6. Bank loans.

4. How to calculate the handling fee of Changsha Provident Fund?

The toll standard is that the amount of crossing the bridge does not exceed 200,000, and the toll is between 2000,000 and 200,000 to 500,000, which is charged as 1% of the amount of crossing the bridge, and 5000 if it exceeds 500,000.

Example: the house is 500,000 yuan, the down payment is 6.5438+0.5 million yuan, and the remaining 350,000 yuan is used for loans. The repayment period is 20 years, and it has been paid for 6 years. With the remaining principal of 280,000 yuan, the bridge crossing center can only lend 6,543,800 yuan+0.5 million yuan. If you need a loan of 280,000 yuan, you need to go to the real estate appraisal. After the guarantee company lends money to the customer, the customer can handle the business.