1, housing factor
(1) depreciation: annual depreciation rate -2%
(2) Suite: three small suites (small hall, kitchen and bathroom)-10%
(3) floors: floors 2 and 6-3; 7th floor-5%; 3, 4 floor+3%; 1, the fifth floor is the benchmark price;
(4) Orientation: No facing south window -5%
2. Environmental factors
(1) No property management -5%
(2) Non-independent closed communities -5%
(3) There are provincial and municipal key primary schools+15%.
It should be noted that there may be a big difference between the appraisal price given by the appraisal agency and the market price of the house, which may only be 80%-90% of the actual transaction price. This requires us to prepare the difference between the expected loan amount and the actual loanable amount in addition to the down payment when buying a second-hand house.