Hello, I'm the account manager of the bank. Well, the bank will evaluate the real estate before mortgage loan, and evaluate several companies recognized by the bank. Generally, if your conditions are good, the bank hopes to increase the loan amount, so that they can earn more difference between deposit and loan. Due to long-term cooperation, the appraisal bank can discuss with the appraisal company. For example, when this house was purchased, it was 1.5 million yuan. Because of the depreciation, the current price of the house must be lower than that at that time. Unless the house price here is very high, even if it is estimated to be 1 million yuan, the bank can make the evaluation company change to 1.2 million yuan with hard work. There are two reference ways to evaluate the company's evaluation price. The first is the average price of local real estate agents, and the second is to evaluate the company's internal system local price.

To sum up, the appraised price is just a reference, which may be higher or lower than the actual selling price. In order to consider the risk, the loan amount is lower than the appraised price. The formula is loan amount = appraised price * mortgage rate, which is generally 5%-7%.

all hands are welcome to adopt and ask questions.