The time that banks can pass the mortgage loan varies. If there is no problem with certificates and the policy has no impact, they can come down in less than a month. Then, what does the bank need to do with the mortgage loan and what is the handling fee? Now, Xiaobian has sorted out the contents related to the procedures of the bank's mortgage loan. Let's follow Xiaobian to have a look. I hope it will help you.
1、 Bank mortgage service charge
1. Lawyer's fees: some are calculated on a per order basis, generally between 200 yuan and 500 yuan per order; some are calculated on the basis of the house price, and the charging standard is two thousandths. Generally speaking, the former is used to charge for small area units, while the latter is mainly for large area units.
2. Insurance premium: its algorithm has two ways, the latest one is the most scientific and beneficial to the owner. The specific calculation method is the discount of the loan amount & times; 1.2 times & times; one thousandth of & times; years & times.
3. Stamp duty: 0.05% of the loan amount applied for, to be collected by the tax bureau.
4. Bank account opening fee: 10 yuan, to be charged by the bank.
5. Notarization fee: generally between 200 yuan and 300 yuan.
6. Other warrant fees: generally between 200 yuan and 300 yuan.
2、 Information to be provided for mortgage loan
1. The original and 3 copies of the ID card and account of the applicant and the spouse (if the applicant and the spouse do not belong to the same account, the marriage relationship certificate shall be attached).
2. Original purchase agreement.
3. One original and one copy of advance payment receipt for 30% or more of the room price.
4. Proof materials of the applicant's family income and relevant assets, including payroll, individual income tax, income certificate issued by the unit, bank deposit certificate, etc.
5. One copy of the developer's collection account number.
Warm tip: what does the bank need to do with the mortgage loan and how much is the handling fee? The bank mortgage loan needs lawyer fee, insurance fee, stamp duty, bank account opening fee, etc. the general price is between 200 yuan and 500 yuan, and the total cost is more than 800 yuan.