1. What is house appraisal?
1, meaning of house appraisal
In the process of second-hand housing transaction, after the buyer applies for a loan from the bank, the bank will designate an evaluation agency to evaluate the house, and the bank will further negotiate with the borrower about the loan according to the evaluation report issued by the evaluation agency. The real estate appraisal fee is basically going with the market now, which means it will change according to the market. Take an online evaluation platform as an example. General real estate appraisal fees are hundreds to thousands. The appraisal will produce two real estate assessment reports, which are recognized by both banks and the Housing Authority.
2. Evaluate the meaning of price
General appraisal institutions will get a value according to the actual situation such as the location and age of the house, that is, the appraisal price. There is a certain difference between the price of buying a house and the estimated price. The estimated price of a house is generally less than the actual transaction price of the house.
Step 3 Evaluate the price range
In practice, the estimated value is 80%-90% of the actual transaction price of the house. This percentage is influenced by various factors, such as building age, decoration and location. The bank finally agrees to the applicant's application and issues the loan according to the house appraisal given by the comprehensive appraisal agency, taking into account the risk, building depreciation, borrower's income and other factors.
4. Evaluate the influence of price on down payment
The higher the evaluation price, the higher the loan amount. Is the higher the evaluation price, the better? Actually, it is not. The higher the evaluation price, the lower the down payment. However, in terms of the cost of buying a house, the lower the evaluation price, the less taxes and fees need to be paid, so this should be decided according to the funds on hand and the down payment.
5. What are the factors that affect housing evaluation?
Housing factors: including the age and recency of the house, apartment type, floor and orientation. Environmental factors: including property management, whether it is an independent community and surrounding facilities.
Second, can the evaluation of second-hand housing make the evaluation price higher?
For property buyers, of course, you can offer a high evaluation price, but the bank may not pass it. Before that, just ask the bank the price after the high price (note: I suggest you know the high price and don't let the bank know). Although the higher the overall evaluation of second-hand housing loans, the higher the loans you can get and the higher the corresponding down payment.
Although in theory, the appraisal price can be made higher, which can help buyers reduce the pressure in the early stage, but I don't agree with you to make the appraisal price of second-hand houses too high. Once there is a problem with the borrower's repayment, it will have serious consequences. If there is a dispute, it will only be harmful. I hope I sum up the housing evaluation. Can the second-hand housing evaluation make the evaluation price higher? These two questions can make it easier and faster for you to buy second-hand houses.