Provident fund loans to buy a house as long as the mortgage registration fee
Shandong commercial newspaper reporter Chen Jing
yesterday, the Ministry of housing, the Ministry of finance, the central bank and other three departments, the cancellation of housing provident fund personal housing loan insurance, Notarization, new housing evaluation and compulsory institutional guarantee to reduce the burden of the loan workers, and according to a reporter investigation, most of these four costs have been abolished in Ji'nan, the future purchase of home buyers may only have to pay housing registration fees.
it is understood that in the four charges that the three departments have cancelled, the new housing evaluation fee of the provident fund housing loan refers to the housing that the borrower bought for the new commercial housing and the other needs to be assessed by the loan accepting institutions. It must be issued by the qualified assessment agency approved by the management center. The housing appraisal report needs to pay the assessment fee to the evaluation institution.
the notarization fee of the housing provident fund loan refers to the notarization of the housing loan mortgage contract, which is to determine the identity of the parties, to determine the mortgagor's voluntary property as the borrower as mortgage, to reduce the risk of lending, and to reduce the procedure, and to urge both sides to perform the important means of performance.
provident fund mortgage insurance premium, according to the relevant provisions of the people's Bank of China's loan management measures, housing mortgage loans to apply for housing insurance. The guaranty fee of mandatory provident fund means that the loan applicant applies for the housing accumulation fund loan, and the guarantee method approved by the management center must be provided. Since March 9, 2009, the standard of guarantee service charge has been adjusted to 3 per cent of the loan amount (the minimum charge is 300 yuan). According to Ji'nan, Ji'nan Real Estate Consulting Co., Ltd. manager introduced, the mandatory provident fund of provident fund Ji'nan earlier than 10 years ago has been canceled, the other three charges have been "dead".
Xiong Liangding told reporters that now the citizens apply for a provident fund loan, if it is to buy a second-hand house, the general need to pay two costs, first of all, is the housing evaluation fee, which is charged by the evaluation company to identify the value of the house, the cost is about 5/1000 of the evaluation value, the other is the applicant. When the housing bureau handles the mortgage formalities, it needs to pay a certain service charge to the Housing Authority, that is, the mortgage registration fee, according to the housing area of about 230-380 yuan. In addition, there are some small expenses. If it is to buy a new house, it is only necessary to pay the housing mortgage registration fee. "After the abolition of the new policy, it has little impact on Ji'nan. Basically it is these costs. New housing applications for hundreds of dollars, second-hand housing a little more."