The evaluation value is only the basis for banks to judge the value of assets and determine the credit line. There is no absolute relationship with the disposal value of non-performing loan collateral. In fact, the loan is really bad, so we must go through judicial procedures first, and then the court will execute it. It's not something that banks can operate. Banks have the priority to be compensated for the collateral they dispose of. Generally speaking, the money for buying a house must be paid back first. In this process, the court will re-evaluate and determine the reserve price of the first auction.