Subjectivity of law: First, do you use real estate license to evaluate bank mortgage loans? You also need to evaluate the real estate license before you can go to the bank for mortgage loans. Property right certificate (property right certificate and land certificate must be mortgaged to the bank for mortgage bank loans), marriage certificate (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau) and income certificate (this certificate has great influence on the success and maximum amount of mortgage bank loans). If the property owner has minor children, please provide birth certificate. If the property has a bank loan, please provide the original loan contract and the latest bank statement. In order to improve the pass rate of mortgage loan, please provide other family property certificates as far as possible (such as separate real estate license, stock, fund, cash passbook, vehicle driving license, etc.). How much is the real estate appraisal fee? 1. At present, the appraisal fee is charged at a progressive rate: the total house price is 65438. The progressive billing rate from 6,543,800 yuan to 5 million yuan (including 5 million yuan) is 0.3%; 0.12% of the total appraisal price from 5 million yuan to 20 million yuan; 2, 20 million yuan to 50 million yuan (including 50 million yuan) is 0.06% of the total evaluation price; 0.0 12% of the total evaluation price will be charged if it exceeds 50 million yuan. 3. Real estate appraisal is an important link in the process of second-hand housing transaction. Now buying a house loan, selling a house, looking for an intermediary, and entering a bank will all require an evaluation of the house. For example, buyers need to apply for mortgage loans, and banks can only issue loans to buyers according to the evaluation report of the evaluation agency. The assessment of mortgage loan needs an assessment agency with professional qualifications. Third, the housing evaluation standard 1 depends on the old and new degree of the house, which is directly related to whether the buyer likes it or not, and the house has entered a depreciation period since it was built. When selling a second-hand house, you must calculate the depreciation expense of the house. The depreciation period of brick-concrete structure is 50 years. 2. Looking at the most popular apartment types in the apartment market, such as regular apartment type 2 and apartment type 3, will directly raise the house price, while irregular apartment types with irregular shapes or apartments with too small and too large apartment types will lower the house price. 3. The quality of the floor also directly affects the price of the house. The middle house is the best to sell. If there is an outdoor garden on the ground floor or a roof garden on the top floor, the price may be higher. 4. Houses in the north-south direction are the most popular, but in the east-west direction and other directions, due to poor indoor ventilation and lighting performance. 5. Looking at a house that has been renovated for less than 5 years, the price is generally about 2,000 yuan higher than that of a clean house. If the decoration quality is high and the color is good, it needs to be increased; If the decoration time is more than 5 years or just simple decoration, the initial cost is not big, and the increase ratio should be appropriately reduced. 6. Residential areas with property management are mainly reflected in the development of new commercial housing. There is no formal property management in the residential area or unit with the building age around 1995. Under normal circumstances, a community without property management will reduce costs. 7. Looking at the location of the house facing the street will reduce the price of the house, while the price of the house with better living environment will be higher. 8. Look at supporting consumers. When buying a second-hand house, we will focus on supporting infrastructure such as transportation, medical care, education, shopping and catering around the house. Under normal circumstances, if some facilities around the house are not well equipped or missing, they will be reduced accordingly. 9. Whether the supporting facilities of the house are perfect is particularly important for the home. In the same location, the living environment of second-hand houses will be worse than that of new residential areas, which needs to be reduced from the aspects of layout, facilities, greening, sports facilities and housing appearance.
Legal objectivity: the scope of application of mortgage loan 1 must be an enterprise or institution legal person approved and registered by the administrative department for industry and commerce, and go through the tax registration and annual inspection procedures as required; 2. There is a market for products, and the production and operation are profitable. Do not misappropriate credit funds and abide by credit; 3 have the ability to repay the principal and interest on schedule, and the original loan principal and interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the bank has been formulated; According to the Standard for Credit Rating of Banking Enterprises, in principle, the credit rating must be above A; 4. basic account or general deposit account has been opened in the bank; 5. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; 6. The borrower's operating and financial systems are sound, and its main economic and financial indicators meet the requirements of the bank; 7. Projects applying for medium and long-term loans must be approved by the competent state department. The proportion of the owner's equity of an enterprise as a legal person to the total investment of a new project shall not be lower than the proportion of investment project capital as stipulated by the state. The property as collateral must comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC), and the mortgagor must enjoy the ownership or disposal right of collateral according to law, and clearly express to the bank that he is willing to provide collateral for the debtor. With real estate mortgage, the mortgage rate shall not exceed 70%; Mortgaged by means of transportation, general mechanical equipment and tools, the mortgage rate shall not exceed 60%; With special machinery and equipment and tools, intangible assets (including land use rights) and other property mortgage, the mortgage rate shall not exceed 50%.
Second, how to evaluate the mortgage house
At present, a bank usually needs to appoint several evaluation companies to lend money. These companies are recognized by banks, and not every appraisal company's appraisal report is useful. It's not that you judge the value of a house 10. If you want to judge the value of a house 10, do you think the bank will give you a loan based on this appraisal report?
Of course, the value of 65,438+10,000 yuan can be evaluated as 90,000 yuan, and it is not impossible to evaluate 1 1 10,000 yuan, depending on whether you find the right person. Because evaluation costs money, you'd better go to the bank first and ask the business manager of the bank to give you an evaluation and see how much you can borrow, and then ask him to tell you which evaluation company to look for. Actually, I won't tell you the mystery.
3. How much is the mortgage appraisal fee?
The appraisal fee is based on the amount of your loan.
In 400 yuan, if the house appraisal value is less than 2 million yuan, 6 million yuan from 2 million yuan to 5 million yuan will be collected according to the actual situation.
Less than 2 million, but there are 600 in the outer suburbs.
Commercial housing is charged at 0.3% of the actual assessed value.
Fourth, does the mortgage housing evaluation have to come to the door?
Legal analysis: Yes, real estate appraisal needs to go to the door to evaluate the value of the house mortgaged by buyers when seeking financial support.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not stipulate the payment of interest, the interest shall be determined according to local or party's interest rate and other factors; Loans between natural persons are regarded as interest-free.