The new house mortgage does not need to pay real estate appraisal, and the bank directly takes the contract transaction price as the confirmed value of the new house. With the rapid development and maturity of China's real estate industry, the real estate industry has become a new growth point of the national economy, but at the same time, the real estate industry is also the most prone to bubble economy and financial risks. Therefore, it is extremely important to improve the real estate mortgage loan evaluation system as a link between bank financial risks and the real estate market.
2. Is it necessary to apply for provident fund loans to buy a new house in real estate assessment? How much is the charge?
To buy a new house in Qingdao and apply for a provident fund loan, you don't need real estate assessment, you just need to buy a second-hand house. The payment standard is reduced from 5‰ of the housing appraisal value to 0.4‰, and the maximum amount is 500 yuan.
Third, do new existing home loans need bank evaluation?
Now apply for a bank loan and give you money according to the assessed value.
Did you ask the bank if you got the money without evaluating the loan How much is enough?
If you have enough, you don't have to judge.
Direct loan, you can save a sum of money by pulling it.
4. Do you need to pay an evaluation fee to buy a new house as collateral?
There is no need to pay the appraisal fee when buying a new house as mortgage, and the confirmed value of the new house mortgage is the purchase price of the house purchase contract.
Housing mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and the real estate enterprises that purchase houses provide regular guarantees.
Extended data:
Principle of assessment fee:
Principle of house appraisal and appraisal: It is the basic principle of house appraisal and appraisal to determine the value of all kinds of houses based on the full replacement price of houses. The full value of housing replacement refers to the total investment that should be spent on rebuilding such houses one year before housing evaluation.
The determination of the full replacement value includes the construction and installation cost, outdoor engineering cost, land acquisition cost, compensation fee and the increase or decrease of the adjustment factors such as the location, orientation and floor of the house.
1. The construction and installation project cost (hereinafter referred to as project cost) in the year before the house appraisal is calculated according to the construction and installation project cost quota and relevant regulations. When compiling the budget cost, the charging standards of construction and installation enterprises should be determined, with the provincial cities charging according to the municipal enterprises and the county or county-level cities charging according to the county-level enterprises.
The material price adjustment coefficient should be reasonably determined according to the actual adjustment of the material price adjustment coefficient and the material price difference stipulated by the local government in that year. Project cost is the basis for determining the full replacement price.
2. Outdoor engineering cost refers to the engineering cost of water supply and drainage equipment, electric lighting, Lu Yong, cesspit and other directly supporting buildings.
3. Land expropriation fee refers to the land expropriation compensation fee and resettlement subsidy approved by the Land Administration Law.
4. The compensation fee refers to the house demolition purchase fee, temporary transition fee, moving fee, business suspension loss fee, etc.