The evaluation price is generally 80%-90% of the market price. When buying a house with a loan, the evaluation price will be used, which generally includes commercial loan evaluation, provident fund loan evaluation and portfolio loan evaluation. The evaluation value of commercial loans can generally reach about 80%-90% of the market price, and the evaluation value of provident fund loans can generally reach about 80%-85% of the market price. In terms of the timeliness of the evaluation process, the evaluation of commercial loans is higher. The loan amount of second-hand housing is related to the evaluation price. If the down payment ratio of the second-hand house is 30%, the loanable amount is 70% of the appraised price. The higher the appraisal price, the more money you can borrow from the bank. The sum of the loan amount and the down payment is the transaction price of the second-hand house, and the transaction price of the second-hand house minus the loanable amount is the net down payment of the second-hand house. In other words, the larger the loan amount, the less the net down payment for second-hand houses.