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办理房屋贷款费用是多少啊？哪位知道该如何办理啊

办理房屋贷款费用是多少啊？哪位知道该如何办理啊

浏览：24次 | 提问时间： 07-20 04:08

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心随你痛唯爱ぺ灬babyル 07-20 04:09

房贷评估费：房地产估价采用差额定率累进计费，即按房地产价格总额大小划分费用率档次，分档计算各档次的收费，各档收费额累计之和为收费总额。
一、缴纳费用抵押时，请中介机构的评估费；土地局交的抵押登记费；公证处收的公证费。流程很简单，表格要由办理抵押的双方签字盖章，然后拿土地证原件、营业执照、董事会决议……这些材料土地局会列个清单给你的收费比例是可以侃价的，就像评估费，评500万的地给个2000元就接近。土地局和公证处也是一样，看你本事了，假如在小城市，有熟人也许可以打1折，象征性的收点就给办了。
二、房屋评估费标准房屋评估费用是按照房屋建筑所用材料质量的优劣以及房屋面积来收取的，以及就是不同的评估机构有不同的收费标准。而熊先生花去的钱可能是中介所收取的。评估公司收取成交价的0.5%的评估费房产评估是为了审核房屋贷款或抵押所贷款额够不够贷款标准，就像你买的房子是30万，你需要贷款20万，贷款银行委托评估公司去实地看房评估，最后评估价为24万，你贷款额超过评估价的八成，你的贷款就批不下来，要是评估到25万以上，就可以按贷款最多八成计算，正好可以贷款20万。通常收费是评估价的千分之三到五。

幸福不是一个人可以说的 07-20 04:26

银行不会批准将上浮的利率降低的，由于银行对你贷款时是依据你的情况和国家的相关政策做出的上浮利率的批准，假如你办理的是房屋贷款，直到还清贷款，否则永远不会降低上浮利率。

珍不珍惜 07-20 04:34

房屋贷款利率不高啊，主要是人行制定的贷款基准利率这几年不断提高，初衷是为了打击炒房热。房屋贷款利率是在银行贷款基准利率上下浮30%，前提，你要符合银行首套住房贷款的标准，假如你是第二套或以上，那利率就要上浮10%起步了

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