Mortgage payment price Bad big the same company offer difference 30%

Industry insiders said that the current mortgage market is a mixed bag, and the price bureau has not issued the corresponding guided prices, so the price is more disorderly, the current market is a direct customer-type price, rather than the traditional partial quote, if the housing authority to collect the tax, the mortgage companies in such a generation of charges with the fare increase, the public must be careful.　　Article/table reporter Fangliping Since this newspaper broke "800,000 yuan housing loan mortgage fee difference of more than 7,000 yuan", many investors complained to this newspaper that not only the different price of the mortgage company is very big, even in the same company, for the same case quoted Price is also a great difference ... The price of the same mortgage company was 30%. Mr. Xue, who came to Guangzhou shortly after work, recently complained to the newspaper through the intermediary, in Baiyun District bought a set of second-hand housing, the transaction price of 300,000 yuan, a down payment of 40%, mortgage loans of 180,000 yuan, the intermediary to Mr. Xue recommended a mortgage company, and said that if the application for Provident Fund loans,　　The mortgage fee is only about 3700 yuan; If you apply for a commercial loan, it's cheaper. After signing the purchase contract and paying the Downpayment, Mr. Xue and the seller came to the mortgage company.　　As Mr Xue's Provident Fund is not paid enough time, the Mortgagor says that he can only handle ordinary commercial loans. And brought a large pile of materials, called Mr. Xue signed, said that all kinds of costs add up to more than 5,200 yuan, finally after a bargain, the Mortgagor agreed to play a 90 percent, finally received 4600 yuan, and said that another need to pay 90 yuan for the search costs. However, Mr. Xue learned from this report that, like his own this do not have to do a transfer of ordinary commercial mortgages, At present, the industry's general charging standard of 1.2%, the cost of their own far more than the market standards, so as a new customer call to consult the mortgage Company's other salesman, the other side said that the mortgage costs for the loan amount of 1.2%, the minimum of 2500 yuan.　　If the advance loan is processed, an additional 600 yuan will be charged, totalling 3100 yuan. The same loan, in the same company, the price difference of 30% or more, Mr. Xue felt cheated, began to negotiate with the mortgage company, request refund overcharged 1500 yuan, but not yet.　　The mortgagor said that since Mr Xue was brought over by an intermediary company, it was a traditional quotation, that is, a charge for the process required by the mortgage processing, which would add up to a real need of more than $5,000.　　Even in accordance with the industry's highest standards, Mr Xue's 180,000 yuan ordinary commercial loan charges are only 3,000 yuan, obviously, Mr Xue was fooled by the mortgage company. Mortgage Corporation: Two different versions of the press call the relevant person in charge of the mortgage company, the person explained that the mortgage needs to do a lot of procedures, such as evaluation, notarization and so on, each procedure must charge a certain fee, for example, including search fees, evaluation fees, commissioned notarization fee, contract notarization fee, property appraisal fee, insurance, loan stamp duty, miscellaneous expenses　　The fees and charges for the warrants, which were collected by the HKMC, were not included in the mortgage company's pockets. In addition, as the Mortgage corporation needsThe errand handles each kind of formalities, also needs to charge a certain service charge, Mr. Xue said 1.2%, is only the mortgage company collects the agency fees, the above various collection charges does not include.　　All the costs add up, it does take more than 5,000 yuan, the business staff did not charge Mr. Xue's money. However, then the reporter as a client to consult the company's salesman, the salesman made it clear to reporters that if it is a commercial housing loan, do not ask for insurance, and do not need to do transfer procedures, mortgage charges only 1.2%, each minimum of 2500 yuan, if you want to advance lending, then additional 600 yuan.　　Moreover, the salesman also said that the fee has included the assessment fee, notarization fees and other collection fees. The same company has two different versions of the saying, is the person in charge in front of the bully strangers slaughter, or behind the salesman in order to pull customers to get started, in the customer?　　The journalist was confused at one time. In order to understand the mortgage industry regulations, yesterday, reporters interviewed the Central Plains real estate designated mortgage company Phillip Mo Senior manager of the business department. Phillip Mo said that the first method of sub-billing was the one commonly used in the mortgage industry in the past few years; the latter is a direct passenger charging method, take a price pricing method.　　In recent years, with the introduction of direct passenger mortgage services by banks, the mortgage industry has become increasingly competitive and prices have become more transparent, and few mortgage companies have used the traditional way of quoting. As for the specific fee of the price, Phillip Mo said that due to different types of mortgages, processing procedures are different, so the specific fee standards are not the same, such as Provident Fund loans mortgages than commercial loan procedures trouble Some of the fees are higher; some of the trading houses due to their own mortgage has not paid off, the transaction needs to do the formalities, The charge will be higher than the switch.　　At present, the above various mortgages in the fee standard of 1.2%~1.5% is generally in the loan balance between the two. In order to determine the Phillip Mo, this reporter also consulted the billion mortgage, get the quote is, The ordinary commercial loan mortgage fee is 1.5% of the loan balance, if the transfer is to be done, it will be added to 800 yuan, and if it is a Provident fund loan, an additional $1000 Provident Fund agent fee will be required and the housing insurance should be purchased in accordance with the requirements of the Provident Fund Management Centre.　　Tanzong the lowest price is 3380 yuan.　　Also said that even in accordance with the highest standards of industry, Mr. Xue's 180,000 yuan ordinary commercial loan charges are only more than 3,000 yuan, obviously, Mr Xue was fooled by the mortgage company.　　Expert advice in order to avoid the appearance of Mr. Xue This kind of customer is bullied situation, before the formalities, must ask the mortgage personnel carefully to inquire clearly the price.　　Choosing a mortgage company depends on the customer's own needs, not the cheaper the better. Pre-mortgage compare well-knowing experts said, because the price bureau for the mortgage industry did not introduce guidance prices, and the industry threshold is lower, a mixed bag, the current market price is indeed more confusing. According to the reporter's investigation, for the same mortgage, different mortgage companies offer a veryBig。 Generally speaking, the price of a large mortgage company is charged between the 1.2%~1.5% of the loan balance and a minimum price for a single pen.　　However, some small mortgage companies, in order to compete for the market, the price can be as low as 0.6%~0.7%. Some insiders said that some small mortgage companies, recruit a few people began to do business, because of low cost, in the market for vicious price war, prices can be low to 0.6%~0.7%.　　Some of them may indeed be let to consumers, but also do not rule out the appearance of Mr. Xue--first to the low price cheat you into the door, into the gate and then kill you a knife. Therefore, the public must take some time to consult a number of mortgage companies and compare them before handling the mortgage. In order to avoid the situation where Mr. Xue was bullied, before handling formalities, must ask the mortgage personnel carefully to inquire clearly the quotation, to make clear that this quotation is including the appraisal, the notarization and so on all collection handling fee's price, or is only the mortgage company's agency fee, the appraisal, the notarization and so on the expense to need another diplomacy.　　If it is a price, then the public will have to pay only the insurance premiums and the Housing Bureau Collection tax.　　Choosing a mortgage company is not the cheaper the better. In addition, Phillip Mo said, different mortgage companies charge there is a certain difference, but the price is different, customer service quality and effect will be different, the key to see the customer's own needs, not the cheaper the better. Like some big mortgage companies, in order to serve customers, set up a message delivery platform, at any time to send messages to customers to pass the process information; If, for example, not all mortgage applications are eligible for approval by the bank, sometimes the client's mortgage application is not approved by a bank and needs to be renewed by a bank. The additional costs are incurred by the Mortgage Corporation.　　If you choose a mortgage company with a low price, this situation may result in additional costs.　　In addition, Phillip Mo said that some banks ' direct-loan mortgages offer very low prices, but the quoted price may actually be just a collection of charges, and the customer needs to run errands for themselves, such as going to the Housing bureau or another mortgage company to run errands, which will result in additional costs. Phillip Mo also cautioned that some customers in order to save money, if not the bank or Provident Fund Management Center requirements to buy insurance, generally will not take the initiative to buy housing insurance. But if a family has only one economic pillar, it should buy a comprehensive housing insurance when it comes to loans, and the insurance company will continue to repay the loan if the pillar of the economy is unexpected, and the House will not be confiscated by the bank because of the broken supply.