I bought a second-hand through the intermediary room, the full price of $ 522,000, the form of loans. After the intermediary to guarantee home loans to the company, informed the need to charge $ 1900 home loans Guarantee Fund (including housing assessment fees) 1900 $, and also by 1.5% of total loans charged “loan agency gold.” Last Bank approved loans 200 000 $, need to charge 2800 +30 10 000 * 1.5% = 6600 $. Will these two charges reasonable? If reasonable, it should be delivered at what time? (I think it should be after the transfer), please professional pointers. If less than five years to buy second-hand housing, the cost of needed about 6%. You can consult other intermediaries. Yes, all the lending bank or financial institution has for the record, all right. As long as you repay on time and good reputation. Can continue to home loans.