The bank loan appraisal is because the bank has to lend according to the house value appraised by the appraisal company, and generally, the loan is based on 6-8 fold of the appraised value. If the appraisal value is 6,543,800 yuan, then the bank loan can be 600,000-800,000 yuan. The specific loan amount is decided by the bank. The bank decides the discount of the loan according to your bank credit and salary flow.
The loan procedure is to apply for a loan at the bank, evaluate the company's on-site house inspection, and then issue a pre-evaluation report. The bank will conduct an audit according to the pre-evaluation report, and the evaluation company will issue a formal report, and the bank can make a payment in 3-5 days.
Two, please combine the actual work, talk about the main contents of loan project evaluation.
(1) loan project evaluation is a method to scientifically review and evaluate the project from the technical and economic aspects on the basis of the feasibility study report of the project, according to the relevant provisions of the current national policy, fiscal and taxation system and bank credit policy, and combined with the information of project production and operation. (2) The main contents of loan project evaluation include: ① the necessity evaluation of project construction. ② Evaluation of supporting conditions for project construction. ③ Technical evaluation of the project. ④ Borrower and project shareholders. ⑤ Project financial evaluation. ⑥ Project guarantee and risk sharing. ⑦ Project financing scheme. (8) Bank benefit evaluation.
Three, the main content of evaluation and analysis of medium and long-term commercial loan projects
I recently applied for a pen, but I didn't continue to do it later. The following is my personal experience: medium and long-term loans are still working capital loans in theory, and in principle they need to be included in the management category of "three methods and one guidance"; Medium-and long-term loans are usually issued for 3- 10 years, which mainly requires that the operating cash flow of the project itself is relatively stable and abundant. Of course, the cash flow of the project should also be measured at the time of reporting. Our company requires the proportion of principal and interest guarantee to exceed 1 10%. I wonder if your company also has this requirement. In terms of post-loan management, such customers generally belong to the key monitoring, because the time span is relatively long, and generally there are collateral. Recently, real estate is a bit depressed, and the subject matter of collateral may be very large. If the liquidity is good, then the problem is not big, but if the liquidity is average, in this case, if there is a breach of contract and the collateral needs to be disposed of, the possibility of realizing it at one time will be low, and it will be annoying to auction it many times. But this kind of business, the average customer will repay the principal normally in the first two years, and the mortgage interest rate will be lower and lower, but the risk will be smaller and smaller.
Four, please talk about the main contents of the loan project evaluation combined with the actual work.
(1) loan project evaluation is based on the feasibility study report of the project, according to the current national policies and relevant provisions of the bank credit policy, combined with the information of project production and operation, from the technical and economic aspects,
(2) The main contents of loan project evaluation include: ① Evaluation of project construction conditions. ③ Technical evaluation of the project. ④ Borrower and ⑥ Project guarantee and risk sharing. ⑦ Project financing scheme. (8) Bank benefit evaluation.