Valuation is generally based on market prices. Generally speaking, it will be evaluated according to various factors such as down payment and room age. If you want a higher loan, I suggest you find an investment company like Diheng Ye Wei as a guarantee, so that the bank will give a higher loan than it can handle because of the third-party guarantee. In Diheng Ye Wei, procedures are simpler, loans are faster and funds are safer! In the same period, the benchmark interest rate can also go down. I hope I can help you.