What's a mortgage fee
How much is it gonna cost to get a second-hand room at fatty? It is believed that many people will come up with such a sum: house price + agency fee + taxes = gross house price. But you know what? If you are a loan buyer, the second-hand house broker will charge you an additional fee, called the mortgage service fee, which is $12,000 less and $10,000 more。
Citizen lee xia (alias) has recently bought a second-hand room and, in addition to brokering fees, she has been charged a mortgage service fee of $2150 by the intermediary. The broker stated that the money was given to the bank, but the lending bank stated that no mortgage service charges would be charged at all. What the hell is this? According to industry sources, mortgage service fees are in fact “legging fees” charged by intermediaries。
Citizens are suspicious of paying the agency fee and the service fee
This year, li xia purchased a second-hand house through a mortgage by an intermediary company. After paying 2 per cent of the intermediary fee for the house price, the agency's staff stated that they would charge an additional fee for the service because they were helping her with the mortgage. The mortgage service fee is charged at 1 per cent of the loan, and the staff member calculates it at a total of $2150。
“isn't 2 per cent of brokering costs inclusive of all services?” lee xia said, how come there's another mortgage fee now
In response to li xia's doubts, the staff member stated that the money was given to the bank, “because the bank also had to evaluate the house when it took out a second-hand mortgage, it would have to charge a fee”. The explanations given by the staff members sound reasonable, and lee xia paid the fee very quickly。
After a period of time, the bank passed a loan application from lee xia, but when she went to the bank, she was surprised by the statements of the bank staff: “the bank takes out mortgages without charging any fee.” that is to say, the bank received the sum of $2150 for mortgage services。
Lee xia wonders why the agent would charge more if the bank didn't charge the fee? On 10 august, she found the intermediary company and the staff changed their previous statements and changed them to say, “it was a secret box operation, and your loan was not possible until after we had spent a lot of human, material and financial resources”
Lee xia stated that she could not agree with the broker's explanation that “even if there was any covert operation in the middle, the cost should not have come to my head”
The middleman says the charge is a rule
On 12 august, journalists visited a number of intermediaries near victory square, north of mon city, in the name of purchasing used rooms. The interviewer found that the intermediary company did have a mortgage service fee, and that the head of an intermediary firm had made it clear that the charging of the fee to the client who made the loan for the second-hand house had become the intermediary's rule。
According to the li family member of an intermediary company in fountain, a certain amount of mortgage service is charged for the purchase of a client's loan, in addition to the intermediary's fee, “it is also a small sum of about $2,000”. The li staff member said that the exact amount would be “available”。
Also, when journalists spoke to a winning intermediary about mortgage buying, staff members claimed to have a mortgage service fee, but, “if you buy a house with me, i can apply to the company to relieve you of this fee.”
“as far as i know, there are intermediaries who charge mortgages, which, as we all know, should be an unwritten sum.” the head of an intermediary company in the north of mont-mung laughed that, for the intermediary companies, that was the industry's sub-rule。
In the case of intermediaries who do not charge this fee, the official stated that “small intermediaries operate at relatively low cost and in small quantities, and sometimes they do not charge the fee for soliciting”
The standard running leg fee is usually 1% of the loan amount
How much do mortgages usually charge? What kind of reference is it? Upon enquiry by journalists, li's staff member from an intermediary company at fizumi stated that the fee for mortgage services was determined on the basis of the difficulty and amount of the loan, which varied between one and two thousand dollars and more than ten thousand dollars, usually 1 per cent of the loan。
When journalists stated that they wanted to use the provident fund for loans, li staff said, “when the fund is loaned, it is more stringent in terms of bank clearance and procedures, we have problems in running it, and the cost of services is higher”. He said it would be easier if you were a conglomerate and had social security。
“why is there a mortgage service fee for intermediaries?” in response to this question, the head of an intermediary company in the north of montown stated that the mortgage service fee is different from the intermediary fee, “the intermediary fee is the cost of providing the client with a range of services such as source information, house watch, negotiation, contracting, etc., while the mortgage service fee is the cost of processing for clients with loan needs”
The officer in charge laughed, and said, "that's right, the mortgage service fee is the running leg."
He stated that, while dealing with second-hand mortgages, clients also had to deal with banks, lawyers and assessors, if the intermediary was acting on its own behalf, the client had been prevented from running around. “in the last year or two years, there has been a tight schedule of mortgages, and mortgages have become more difficult to apply for, and some intermediary companies will, of course, incur additional mortgage service charges.”
Counsel reminds the mortgage service to enter the contract
"it's true to pay for services, but at least let us know." lee xia said that if the intermediary company charged 2 per cent of the brokering fee, including only the supply of a home, to facilitate the transaction, would the fee be too high
Although li xia now understands the reason why the intermediary charges mortgage service charges, she nevertheless states that “it feels like she's been `knocked' and that she is not willing”
Should i pay for the mortgage? Journalists consulted on duty lawyers on the 12348 legal advice hotline. “the law does not exist, but the intermediary should specify the fee before entering into a contract with the customer.”
According to counsel, if the intermediary had indicated in advance that the mortgage service was paid by the intermediary to help the client with the mortgage when the mortgage service is performed, the fee incurred is charged by the intermediary when the customer is willing to accept the fee and enter the contract。
“when an intermediary collects a 2 per cent intermediary fee, the promised fee includes a transaction, certification and mortgage service, the mortgage service should no longer be charged. “the lawyer reminds the public that, when purchasing second-hand homes, it is important that the contract with the intermediary be clearly identified before the transaction, and that if the intermediary's fee is to be included in such services as mortgages, it should be clearly stated in the contract so as not to be compromised by the intermediary。
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