(1) Taxes and fees prescribed by law that actually are or will be paid to public officials for determining the existence of, and for perfecting, releasing, or satisfying a security interest;
(2) The premium for insurance in lieu of perfecting a security interest to the extent that the premium does not exceed the fees described in paragraph (1) of this section that otherwise would be payable;
which charges may be collected when the loan is made, or at any time thereafter.