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求解答二手房按揭需要哪些费用_其他_设计456问答
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求解答二手房按揭需要哪些费用

浏览：47次 | 提问时间： 07-02 05:17
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3个答案
良人未归 07-02 05:18

一，商业贷款，除了交房地产评估公司的房屋评估费以外，不在另行交钱。银行或中介公司如果收费，就属于乱收费。
二，公积金贷款，管理中心要收：评估费，担保费，服务费，抵押登记费。各地收费标准不同，见当地政策。
希望我的回答对您有所帮助。

时光不老我们不散 07-02 05:27

二手房转按揭费用
买家需要支付的费用：评估费600元;贷款服务费：3000元，贷款超过30万元部分加收2%;
抵/解押登记服务费：200元(抵押)
卖方需支付的费用：赎楼服务费：500元;赎楼担保费：3000元，还款款超过30万元部分加收2%;抵/解押登记服务费：200元(抵押)。
二手房转按揭签约注意事项：
1、转按揭房屋的产权明晰，无重复抵押、租赁等情形;
2、转按揭客户已对房屋买卖事宜达成一致，签订了买卖合同;
3、原借款人的资信良好，贷款无逾期、拖欠情况;
4、原借款人已取得有关房屋的权利证明;
5、新借款人的资信良好，符合贷款要求，且能提供相关的申请资料。
价格来源网络，仅供参考

槑苽ル 07-02 05:35

费用 ：
1.房屋查案费：每证90元，由房管局收取;
　　 2.房屋评估费：评估价×0.5%，由评估公司收取。如果不需要出评估报告，则只收取300元的初评费;
　　 3.按揭代理费：按揭公司直接收到的服务费用，标准是贷款额×(1%～
　　 1.5%);不同按揭公司执行的标准有差异，较为普遍的是贷款额的1%或1.2%;
　　 4.贷款保险费：贷款额×1.2×0.1%×贷款年限，保险公司收取，二手房按揭贷款的最高年限是20年;
　　 5.贷款合同公证费：每宗300元;
　　 6.转按揭合同协议公证费：每宗300元;
　　 7.交易委托公证费：每宗200元;
　　 8.银行公积金代办费：每宗500元，由相应银行收取;
　　 9.他项权利登记费：每证250元(番禺每证500元)，由房管局收取;
　　 10.贷款印花税：贷款额×0.005%，由银行收取。
　　 其中，银行公积金代办费大部分银行都不收取。另外，办理转按揭时，个别银行还将收取转按揭费，每宗500元至1000元不等。
价格来源于网络 仅供参考

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