If it is a loan, you must first look at the appraised price of the house. The owner sells the house for 510,000, the appraised price is assumed to be 450,000, and the three-tier loan is 135,000. But the homeowner is selling for 510,000, so 51-45 = 6. You also need to pay the 60,000 to the homeowner in the down payment.

Actually, it is 13.5 6 = 195,000. The appraised value of the house is definitely lower than the selling price.