Second-hand housing loans need assessment fees. Need commercial loans and provident fund loans. Because the bank will not go to the provident fund management center to directly verify the mortgage price, but ask a professional third-party evaluation company to submit an evaluation report. In the sale of houses, there are two places that need to be evaluated, which are basically borne by the recipients of houses. The loan appraisal is issued by the appraisal agency designated by the bank, which is used by the bank to determine the value of property rights, so as to confirm the amount of loans. This fee is not clearly stipulated in the relevant laws and regulations who will pay it. In reality, it is often borne by the buyer. Transfer evaluation, the nature of the land is commercial, which needs to be evaluated by the evaluation company. Residential buildings do not need evaluation reports. The local tax bureau confirmed this assessment based on the declared price and historical transaction data.

Matters needing attention in handling real estate license in new house

1. When handling the property right certificate, the developer will ask the owner to hand over the contract, loan certificate, payment certificate, ID card and other materials or copies of the sales report to the developer, and then the developer will handle it on his behalf. The materials that developers need to prepare include land payment, taxes, etc., as well as the acceptance of commercial housing and proof of delivery procedures, etc., before they can go to the Housing Authority to apply for the title certificate.

At the same time, you need to look at the purchase contract. Generally speaking, there will be a time limit for handling the title certificate. In addition, when handling, the owner should also pay attention to the fact that the property owner who handles the registration of the property right certificate should be present when receiving the certificate, and carry his ID card and sign it; At the same time, you also need to pay related expenses, including deed tax, stamp duty, production costs, and all kinds of expenses need to be clear.

3. Finally, if a mortgage loan is used when buying a house, the title certificate needs to be registered with the relevant bank as a mortgage loan. Only when the bank admits it can it be mortgaged and loaned.

4. When buying a house by mortgage from a bank, the purchaser usually needs to sign a mortgage contract and a loan contract with the bank. After the relevant certificates such as property rights are completed, the housing management department will register the house for the record, so that the house can set other rights, that is, mortgage.

Second-hand housing loans, banks should evaluate?

Under normal circumstances, as long as the two sides can reach an agreement on the price of second-hand housing, the bank will not evaluate it, but will.

Evaluation criteria:

1. Regional factors: mainly including residential areas, traffic conditions, surrounding environment, supporting facilities, future development prospects, environmental pollution, etc.

2. The house's own factors: mainly including building age, floor, orientation, apartment type, house decoration, ventilation and lighting, property type, gas status, room occupancy rate, etc.

3. Market factors;

4. Psychological factors.

If there is a big time difference between the price and the evaluation when buying a house, buyers and sellers need to negotiate the price themselves.

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Second-hand housing evaluation:

1. real estate assessment is needed when the price of second-hand houses is obviously too low.

2. Buyers and sellers need to evaluate when they think it is necessary.

3. Real estate insurance requires real estate appraisal.

4. Applying for mortgage loan requires real estate appraisal.

Second-hand housing loans should be evaluated?

That's true. Second-hand housing loans need to be determined according to the market price of second-hand housing. This market price is not determined at will, but assessed by a qualified appraisal company, so the appraisal report is necessary.

The introduction of second-hand housing loans that need to be evaluated ends here.