Ji'nan second-hand housing intermediary charges more than 400 yuan assessment fee intermediary 4600
life daily
provincial urban people pass through When buying a house, they all encountered a muddled account, intermediary fees, loan service fees, assessment fees.Amp; hellip.amp; what is the cost of hellip? What is the standard? Many intermediaries do not understand. Recently, Mr tsiao, the public, had to spend $10000 on assessment fees and loan service charges through intermediary loans. Eventually, he ran errands himself, only to spend 400 yuan. Reporter survey a number of real estate agencies found, in addition to intermediary commission, but also for the bank charges, but the reporter learned that the bank did not charge this part of the loan service fee, the money entered the intermediary bag.
400 yuan assessment fee, Mr. Yang told reporters that after the Spring Festival, he had a second-hand school room in the lower part of the Spring Festival, and contacted the owner through a friend line. As the position, floor and area were appropriate, the two sides soon settled and traded at the price of 920 thousand yuan. . Because the funds are not enough, we need to find a bank loan of about 500000 yuan. Because he is not familiar with the process of assessment and loan, Mr. Yang wants to entrust an intermediary to handle it. Consulting three intermediaries, all have to pay more than 10000 yuan of service fees, I think it is too expensive, not worth spending. The assessment fee is generally charged by 5.amp, permil and 1% of the loan amount.
finally, he went to a loan center of a bank himself to apply for a housing mortgage loan. The staff of the bank recommended an appraisal agency, submitted the property certificate and other materials, and got the evaluation report in second days. The assessment fee is 400 yuan. Mr. Yang said that owing to his good credit record and stable income, the loan was quickly approved after all kinds of materials were submitted. The whole loan does not cost any extra.
Mr. Yang said that if commissioned by the real estate agency, the light assessment fee would be 4600 yuan, and the loan service charge should be at least 5000 yuan. Afterwards, he secretly congratulated himself on how long he had spent.
I feel that the money is too random, too big, the ordinary people do not know, think this is very complex, and it is confused to pay thousands of money on behalf of the service fee. In fact, the people who have done it are clear, very simple. Mr. Yang said that in fact, the assessment fee can also be haggled. The initial assessment of the company's asking price is 700 yuan, which is too expensive for him, and 400 yuan for a counter-offer.
intermediary explains
more money to save more money to save money
recently, a reporter has consulted a number of real estate agencies in the name of buying a house. In the calendar, a real estate agency, the staff members said that, in addition to the money and taxes, we should accept the medium Commission of 2% of the total, and the assessment fee, according to the total house price 5.amp Permil will charge 1% of the total amount of loans to be charged for bank loans.
that is to say, if a set of 1 million yuan second-hand housing transactions, the buyer to pay 20 thousand yuan intermediary fees, 5000 yuan assessment fee, if the loan of 700 thousand yuan, but also to pay another 7000 yuan service fee. A total of 32 thousand yuan to the agency.
reporter has proposed that 2% of the intermediary service charges have been paid, and how to pay extra money? The staff explained that the assessment fee is given to the evaluation company and the loan service fee is given to the bank, and the two costs belong to us.
later, reporters said that after the transaction, you can find an appraisal company and contact bank loans. The agency's staff especially stressed that their company has a professional team dedicated to the business, which can lower housing prices. A house of 1 million yuan can be assessed at 600 thousand yuan, which helps buyers to save money when they pay taxes. 5.6% business tax, 1% personal tax and deed tax, you calculate, this will let you pay tens of thousands of taxes, spend 5.amp, permil assessment fee is very cost-effective. Our loan center is familiar with all banks. We know which bank discount rate is low, the threshold is low, and the loan is fast. If you give a discount on interest rates, you can save tens of thousands of interest, which will save you more energy than your own errands.
the bank does not have a loan service charge.
a lot of people who buy secondhand houses hear the mediator about paying more money to save money in the future. After all, they generally think that the money is worth the value. After all, the intermediary has its own advantages, and the professional live to the professional people to do it. Mr. Yang said he also asked the assessment agency to assess the price properly, and in fact, as long as it was in a reasonable range, the assessment agency could do this, not a special medium. The reporter learned from an assessment agency in the provincial capital that the charge for real estate assessment is divided into 7 files, and less than 1 million is charged by 0.5% of the evaluation price, but it is often able to hit ninety percent off because of the fierce competition.
a staff member of the Ji'nan land tax system reveals that the value of the house in the city is worth a lot, and the tax officers have a general standard, which will not be adopted if the price is clearly deviated from the market price. In other words, if intermediaries are too outrageous, they may not be able to pass the bill.
12 days, the reporter consulted Mr. Wang of a bank in Francis for a long time in personal credit business. He said that in the secondhand house loan business, the bank only received the interest to the lender in accordance with the regulations. It did not charge other expenses, and there was no loan service charge. This cost should be charged by the intermediary. As for the threshold, he said the banks were slightly different, but mainly depending on their credit status, income and the value of their houses. Whether the interest rate is discounted or not, banks have unified standards, and real estate agencies do not work. The speed of examination and approval depends mainly on whether the amount is tight or not. Generally, the end of the year is tight. If the credit line is tight, who will not be able to apply for it?
property intermediary fee standard has "rules" to negotiate
in the interview, many people said that when buying a house by intermediary, they all encountered "confused accounts", do not understand what the cost should be collected, what the standard is, and the actual collection of various intermediaries is not consistent. The reporter learned that Ji'nan prices, housing management departments in 1999 made the "Ji'nan real estate intermediary service charge management notice", but at the end of October 2013 was abolished. At present, there is no rigid basis for intermediary fees. Basically, it is a common rule. Large organizations basically "keep pace with each other" and small intermediaries are relatively flexible.
according to media reports, Ji'nan follows the relevant regulations of the national real estate brokerage agency, and the charge for house sale agent is charged according to the 0.5%-2.5% of the total value of the transaction. In the case of exclusive agency, the fee standard can be appropriately raised by the client and the real estate intermediary, but the maximum price shall not exceed 3% of the transaction price. Xiong Liangding, the general manager of Ji'nan Real Estate Consulting Co., Ltd., said in an interview in November last year that the "rules" formed by the Ji'nan real estate brokerage market were maintained between 2% and 3%.
the head of a small intermediary agency said that they only charge intermediary fees, and no longer charge the so-called assessment fees or loan service fees. "The intermediary fees that I understand should include consulting, assessment, buying and selling agents, loan services, transfer and so on. Most of the large intermediaries now split the cost, separate the assessment fees, loan service fees and so on, and charge the customers two times in the name of collection. No laws and regulations were banned, and the rules were gradually formed. The key is that the loan service fee is not a collection for banks. It has set up a name only. The assessment fee is also collected and spent less.
industry insiders reveal that some intermediaries even write to the contract for the collection of assessment fees and loan service charges, which stipulate that these processes are carried out by intermediaries and, in fact, form a "compulsory agent". The vast majority of the public through intermediaries to buy second-hand housing, it is not clear which mystery, in the follow-up link can only continue to pay the intermediary according to the contract.
related news
Kha second-hand housing intermediary fee is not higher than the transaction price 0.5%
in mid December 2014, Harbin city issued "on the release of real estate consulting fees and the release of real estate brokerage charge management notice." The notice requires that the charge of the housing lease and the broker's brokerage service in Harbin will be managed by the government guidance price. The charge of the house sale agent is not higher than 0.5% of the transaction price, and the specific fee standard is negotiated by the two parties.
a real estate agency staff said that the previous housing sales agent charge is charged at 2% of the transaction price, but the specific charge is random change, 1.5% or 1% of the time, and sometimes also put together. Harbin, a relatively large real estate agency, the person in charge, before the public through intermediary purchase, generally paid 1.5% of the transaction price, and another 0.5% consulting fees, no other services.
experts believe that lowering intermediary fees will reduce the transaction cost burden of buyers, protect the rigid demand consumption ability, or increase the volume of second-hand housing transactions. According to the Harbin daily