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南京二手房贷款为什么要通过担保公司？想参考一下。

南京二手房贷款为什么要通过担保公司？想参考一下。

浏览：206次 | 提问时间： 07-27 09:21

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Traveler过客 07-27 09:22

住房公积金管理中心为个人办理住房公积金贷款手续，不收取任何费用。借款人所需缴纳的贷款费用主要是在办理房产抵押登记时，房产部门及评估机构按规定收取的工本费和相关管理费用。假如是通过中介公司办理的，需要向中介公司缴纳一定的中介费用。如个人不能提供合规的担保而需借助担保公司进行担保的，须向担保公司交纳一定比例的担保费用。办理个人住房公积金贷款所缴纳的费用主要包括评估费用、担保费，贷款服务费及相关税费。个人住房公积金贷款手续费又是如何收取担保费：按贷款额度及贷款年限实际计算代办费：收费标准为300元，实际请咨询您的贷款办理机构。评估费：收费标准为300元[1990年(含1990年)前的二手房贷款额度超过房屋总价30%，1990年以后的二手房超过房屋总价的50%，需要由办理机构指定评估公司进行房屋评估。在办理住房公积金抵押登记时，可向申请抵押者按2‰收取手续费。

繁华若梦惜流年 07-27 09:31

不知道你是在哪个城市，不同的城市或银行，在二手房贷款办理手续的细节可能略有不同。假如你是通过地产中介公司购买二手房的，中介公司将会指引及带领你办理贷款的手续；假如你是未通过地产中介，而是直接与业主成交的，则要自己去找银行去办理贷款的手续，当然，也应该找中介公司或专业的按揭、担保公司帮你去代办。

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南京二手房贷款为什么要通过担保公司？想参考一下。