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[av_heading heading=’ 转贷费用知多少?’ tag=’h2′ link_apply=” link=’manually,http://’ link_target=” style=’blockquote modern-quote modern-centered’ size=’6vw’ subheading_active=’subheading_below’ subheading_size=’20’ margin=’0′ margin_sync=’true’ padding=’0′ color=’custom-color-heading’ custom_font=’#000000′ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” av_uid=’av-k93ukk9b’ custom_class=” admin_preview_bg=’rgb(34, 34, 34)’][/av_heading]
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人们总是认为转贷是困难且昂贵的，其实不然。
请一位有经验的贷款经纪人帮助可以简化其流程因为他们可以指导您的交易并且在您签署贷款合同前为您解释任何费用。其中一些费用如下所示：
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贷款机构不再被允许收取退出费用
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在2011年6月30日之后获批的贷款,贷款机构不再被允许收取退出费用。如果您的贷款在2011年7月1日前获批，您可以向贷款机构询问退出费用是否还适用。不过，如果您是固定利率贷款，那么您可能需要支付终止费用。
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设立费用
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设立费用也被称之为申请费用、先期费用、启动费用或成立费用。这是您开始您贷款申请时的一笔一次性的费用。
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抵押贷款保险
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抵押贷款保险是一项由贷款机构在贷款人无力偿还贷款时用来保护自己的保险。它只适用于房屋权益少于20%的情况。如果您为现有的贷款支付了抵押贷款保险，在转贷之前您需要确认您的房产有20%以上权益否则您将再次支付抵押贷款保险。
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持续费用
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这些费用有时候也被称作管理费用。它们可能是月费也可能是某项服务费。并不是所有的贷款机构都收取持续费用。
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选择一个合适的贷款产品
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贷款经纪人会和您一起发现您对贷款产品的要求并向您提供一个满足您需求的包括至少三家贷款机构的对比列表。该列表使您可以轻松地对比贷款产品特点、费用、利率、对比利率和其他重要信息。贷款经纪人会向您解释转贷的优势和劣势，如此您便可以作出决定哪一个贷款产品适合您。
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免责声明：本文所涉及的事实信息仅供参考，信息不能用于购买投资相关产品及服务、金融产品或替代专业会计、税务、法律或其他专业咨询者提供的咨询意见。在作出决定或采取行动前，您应咨询海嘉会计师事务所专业金融或税务服务人士。尽管我们尽力保证信息来源可靠性以及编译的准确性，但海嘉会计师事务所不对任何信息出现差错或遗漏，以及因使用该信息而获得的结果承担法律责任。
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用我们的专业助您实现财务目标！
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