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北京房屋抵押贷款费用要收取哪些？

北京房屋抵押贷款费用要收取哪些？

浏览：32次 | 提问时间： 08-06 08:05

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寻梦旅人 08-06 08:06

北京房屋抵押贷款费用收取：担保公司在办理房产抵押贷款过程中起到的作用是承担阶段性担保通常情况下银行在办理完房产抵押登记以后才向借款人放款如果有担保公司承担阶段性担保银行在收到担保公司出具的证明后就可以向借款人放款在资金的使用上更加具有及时性，2.办理房产抵押贷款过程中出现的费用主要有房产评估费、担保服务费两种。

记忆加温 08-06 08:14

北京个人住房贷款涉及的费用

二是我的專屬名詞 08-06 08:23

评估费+律师费+保险费+抵押登记费。各项费用具体解释如下：　　①评估费：建行规定，新建商品房的个人住房贷款不需支付评估费，利用公积金贷款的申请人需要支付评估费。一般安居房和按房改政策*的房屋不需支付评估费，如果按要求必须评估，则其费用按500元计收。用公积金贷款的商品房评估费收取标准为：20(含)万元以下的收1500元，20-50(含)万元的收2500元，50万元以上的收3500元，经济适用住房评估费为500元。工行要求：普通商品房、经济适用房认可其销售价格，不需评估，二手房、高档公寓、别墅需要评估。农行二手房的评估费按4‰收取。　　　　②律师费：除质押方式外，申请商业性贷款必须经过律师进行资信审查，并由律师事务所出示法律意见书。律师事务所按申请贷款额的3‰向借款人一次性收取法律服务费，每单最低额度为100元；办理公积金贷款时不需支付律师费；如果属组合贷款的，公积金部分不收，商业贷款部分收。　　③保险费：在公积金个人住房贷款中，采用抵押担保加购房综合保险的，必须购买房屋财产险和人身险，人身险视年龄、贷款额不同而定，房屋财产保险费

错 08-06 08:31

保险金额×0.8‰(钢筋混凝土结构)×保险期限。在商业贷款和组合贷款中，以抵押方式申贷的，需购买房屋财产险。　　④抵押登记费：需办理抵押登记的贷款，抵押登记部门(各区、县房屋土地管理部门的权属科)将收取抵押登记费每平方米0.30元(建筑面积)。　　⑤公证费：二手房贷款需公证，每件200元左右。

你的笑慌乱了我的骄傲つ 08-06 08:40

办理抵押贷款的*：*、户口本、婚姻证明、收入证明、银行流水、产权证、国土证（已婚提供夫*双方*）产生的费用：工本费、评估费、抵押登记费、公证费，办理抵押贷款和房管局有关系的就是一个抵押登记费，住宅是80元商业是550元。

你的坦诚 08-06 08:48

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