Bank loan evaluation is an evaluation company designated by the bank to evaluate its house to determine the loan amount!
The evaluation of second-hand housing transactions is divided into two parts.
1. Loan evaluation. This appraisal report is issued by the appraisal institution designated by the bank and used by the bank to determine the property right value and confirm the loan amount. This appraisal price is the value compared by the appraisal company according to historical transaction records or market price survey, which is generally close to the transaction price of the house. Ordinary lenders can refer to the average price on large real estate websites, such as SouFun.com, 58.com and Jiji.com, with a difference of about 500 yuan per square meter.
2 transfer assessment, that is, declaration of taxable value, shall be confirmed by the local taxation bureau according to the declared price and historical transaction data. If the declared price is higher than the historical transaction data level, the declared price is the collection standard; If the declared price is lower than the historical transaction data level, the assessed price shall be subject to the value approved by the local tax bureau. The local taxation bureau will not announce this price, nor can it inquire. Many intermediaries handling cases have this appraisal price.