Darlehens Origination Fee Rechner — Formel

## Loan Origination Fees

The origination fee compensates the lender for evaluating, processing, and approving your mortgage application.

### Components

- **Percentage fee**: Typically 0.5% to 1.5% of the loan amount
- **Flat processing fees**: Additional administrative charges ($300-$900)

### Negotiation Tips

- Origination fees are negotiable; always ask for a reduction
- Compare the total fee across multiple lenders, not just the percentage
- A lower origination fee may come with a higher interest rate (and vice versa)
- Some lenders advertise no origination fee but build the cost into the rate

### Tax Treatment

Origination fees (points) paid on a purchase loan are generally tax deductible in the year paid. On a refinance, they are deducted over the loan life.