Usually, the appraisal agency designated by the bank will conduct the appraisal, with different fees, generally 0. 1%-0.5% of the appraisal price. It should be noted that the charging standard given by the National Development and Reform Commission is 0.3%-0.5% of the evaluation price, and the specific charging standard fluctuates according to market adjustment. Therefore, the charging standard of appraisal fee will vary from region to region and institution. It is best for buyers to specify the charging standard of appraisal fees when signing a service agreement with appraisal institutions, so as to avoid affecting the purchase process due to the appraisal fees afterwards.

Mortgage loans first need a professional appraisal agency to evaluate the house, and then the bank decides the loan amount according to the appraisal value, so it charges an appraisal fee.

Loan process: 1. The borrower fills in the Application Form for Residential House Mortgage and submits the following supporting materials to the bank. 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. The evaluation agency evaluates the house. 3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. 4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. 6. Settle the loan and make an understanding commitment. Loan information: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year).

Secondly, the housing factors that affect the housing appraisal price in the housing mortgage loan mainly refer to: the new rate of housing, floor, orientation, apartment type, housing decoration, gas status, property type, ventilation and lighting, landscape, etc. Among them, the floor, orientation and apartment type have great influence on the house price. In addition, although the house decoration has a certain impact on the house price, due to everyone's different styles, the decoration can only be given due consideration to a certain extent. Generally speaking, the decoration value of more than 5 years is basically reduced to zero. In addition, the gas condition, property type, lighting and landscape of the house also have certain influence on the house price. Second, the factors that affect the appraisal price of the house in the mortgage loan. For the house, once it is used, it enters the depreciation period. Therefore, in contrast, the shorter the service life of the house, the higher the valuation. Third, the location factors that affect the housing appraisal price in mortgage loans mainly include the grade of lots, traffic conditions, residential environment, supporting facilities, future development prospects and environmental pollution. For example, when evaluating a house, the closer it is to the subway station, the higher the price. Among them, the grade of lots is an important factor affecting house prices. The quality of living environment directly affects people's quality of life. Certain greening, parking spaces, a clean and tidy community with public activities will help to enhance the value of the house.