Everyone must be very concerned about real estate. At present, housing prices are very high all over the country, and it is basically impossible to buy a house in full at one time. So many people are thinking about buying a house with a loan. Buying a house with a loan is definitely going to the bank to go through the relevant procedures. The handling fee for buying a house by loan must be paid, including surveying and mapping fees, evaluation fees, transaction fees and mortgage registration fees. , and must pay the corresponding taxes. 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. 2. What documents do I need to go through the formalities of buying a house? Generally speaking, a one-time payment to buy a house only requires a copy of the ID card of the buyer. 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. Seeing this, everyone must have an understanding of whether buying a house requires a handling fee. We definitely need a handling fee. There are still many fees to pay, such as survey fees, production fees, evaluation fees and transaction fees, so buying a house loan is actually a very troublesome thing. If you want to buy a house with a loan, you need to understand this problem.

Is there a handling fee for bank loans?

There is no handling fee for bank loans. There is no saying that users apply for bank loans offline or through online channels. If you encounter handling fees, please be alert to whether you encounter counterfeit loan products. In addition, after the bank loan application is successful, the bank will only charge the loan interest and will not charge other fees. In addition, users have to charge a certain fee before handling secured loans or mortgage loans, which is not a handling fee. These expenses have specific names.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

The skills of small and medium-sized enterprises to obtain bank loans include establishing good bank-enterprise relations. Pay attention to credibility. Investment projects should write a feasibility study report, highlighting the characteristics of the project. Choose the right loan opportunity. Get the support of SME guarantee institutions.

Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized as an effective guarantee by the bank. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.

For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Business needs to buy commercial housing along the street, you can apply for commercial housing loans from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.

In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the deposit amount can be used for loans; 90% loanable national debt of national debt denomination; The amount of the policy issued by an insurance company shall not exceed 80% of the cash value of the policy at that time.

If you don't have certificates of deposit, government bonds or insurance policies, but your spouse or parents have a better job and a stable income, it is also an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions only by looking for one or two colleagues to guarantee, and all kinds of materials can be approved on the same day and venture capital can be obtained quickly.

How much is the handling fee for the credit loan?

The handling fee for credit loans is generally between 3% and 4% of the loan funds.

The above charging standards are only for lending institutions that charge fees. At present, many large lending institutions are free of handling fees, and the handling fee is 0.

Extended data:

Is it reliable for an intermediary to run a bank loan?

Intermediary bank loans are not necessarily reliable, and some intermediaries can't help customers approve loans, mainly to earn intermediary fees paid by customers. Banks are very strict about the qualifications of their customers. For example, the customer failed to pass the loan because of credit problems. In this case, choosing an intermediary will not change the final result.

If customers need to find an intermediary to handle business, they need to pay attention to the following points:

1. Don't repay in advance, and repay as agreed after the loan is settled.

2. Don't listen to the introduction of the intermediary easily, and keep an objective view.

3. Prepare the corresponding loan information by yourself.

In many cases, customers can go to the bank to consult themselves and find out the reasons for the loan failure. Under normal circumstances, as long as there is no problem with the customer's credit report, there is still a way to solve it, and there is no need to borrow money through an intermediary.

In order not to affect their credit activities, customers should pay attention to maintaining their credit reports at ordinary times and don't let their debt ratio be too high.

Is there a handling fee for the loan to buy a car?

There is a handling fee for buying a car with a loan. Car loan fees include performance bond, notarization mortgage fee, credit investigation fee, installment fee, etc. However, there is no uniform standard for handling fees, and the regulations on car loan handling fees are different from family to family.

4S stores and state-owned enterprises do not charge fees. Most 4S stores have cooperation agreements with banks, which are guaranteed by 4S stores or third-party companies to help consumers borrow money from banks. State-owned enterprises themselves can guarantee consumers; Private enterprises need to find a third-party company to guarantee. Third-party company guarantees require handling fees, and most of them need to be mortgaged with real estate.

Loan procedures through financial companies are expensive. "If you borrow from an auto financing company, you will generally charge a handling fee of 10%. Various brands use different names, but the total cost of various projects is almost 10%, and the interest rate is the same as the bank loan interest rate.

Bank consumer credit needs real estate mortgage. There will be a series of expenses such as evaluation fees when mortgage loans are made.

Extended data:

Interest-free car loans can't avoid handling fees. Many auto financing companies have launched interest-free car loans, but the regulations on handling fees are different, some of them are charged and some are not. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it. The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.