First, the factors that affect the housing appraisal value in the housing mortgage loan

1. Housing factors mainly refer to: housing renewal rate, floor, orientation, apartment type, housing decoration, gas status, property type, ventilation and lighting, landscape, etc. Among them, the floor, orientation and apartment type have great influence on the house price.

In addition, although the house decoration has a certain impact on the house price, due to everyone's different styles, the decoration can only be given due consideration to a certain extent.

Generally speaking, the decoration value of more than 5 years is basically reduced to zero. In addition, the gas condition, property type, lighting and landscape of the house also have certain influence on the house price.

2. Age factor: For a house, once it is used, it will enter the depreciation period. Therefore, in contrast, the shorter the service life of the house, the higher the valuation.

3. Location factors: mainly including location grade, traffic conditions, living environment, supporting facilities, future development prospects and environmental pollution.

For example, when evaluating a house, the closer it is to the subway station, the higher the price. Among them, the grade of lots is an important factor affecting house prices. The quality of living environment directly affects people's quality of life. A clean and tidy community, with certain greening, parking spaces and public places, helps to enhance the value of the house.

The second is the way of housing evaluation in housing mortgage loan.

Housing mortgage loans are mainly divided into internal evaluation, external evaluation and direct evaluation, mainly in the following categories.

Internal evaluation method: refers to the evaluation of the value of the collateral to be accepted by the internal appraisers of the Bank, and the person in charge of the department where the internal appraisers work or their authorized persons are responsible for reviewing and confirming the evaluation value.

External evaluation method: refers to the external appraiser of the cooperative evaluation institution recognized by the bank who evaluates the value of the collateral to be accepted by the bank and issues an evaluation report. After being examined and confirmed by the internal appraisers of the Bank, the appraisal results specified in the appraisal report are confirmed as the appraisal value of the collateral.

Direct evaluation method: refers to directly determining the evaluation value of the collateral to be accepted according to the principle of trial and error by referring to the open market price, historical average price or recent transaction price.

Collateral under the following credit business can be directly evaluated:

(1) Credit business with low credit risk.

(2) Pledge credit business of certificates of deposit, bills, gold warehouse receipts and movable property (bulk commodities).

(3) Personal housing loan mortgaged for the first transaction of housing (the loan amount is below 6,543,800 yuan).

(4) For personal re-trading housing loans (the loan amount is less than 6.5438+0 million yuan), personal consumption loans and personal employment loans issued to high-quality customers, the proportion of applying for loans as collateral is less than 50%.

Second, the real estate mortgage loan, how is the real estate evaluated?

Real estate mortgage is to apply for a loan from the bank with your or a third party's real estate as collateral. The steps are as follows: (1) The borrower applies for a loan from our bank. ⑵ After investigation and approval, open a deposit account or bank card in our bank and go to the housing management department for real estate appraisal. Business loans of more than 50,000 yuan should also apply for loan cards. (3) The borrower and mortgagor come to our bank to sign the maximum mortgage contract and loan contract with the appraised property right certificate, identity certificate, marriage certificate and relevant loan use certificate, and go through the formalities of mortgage contract registration and insurance. (4) After completing the above procedures, the loan bank will issue the loan on the same day and transfer the money to the deposit account or bank card opened by the borrower in our bank. 5. The borrower shall deposit enough money in his wealth management card account before 20th of each month (quarter) to pay the repayment amount of each installment, and settle all the principal and interest on the due date.

Third, how to evaluate the mortgage house?

When selecting a qualified house mortgage appraisal institution, it is necessary to provide the relevant materials of the House Appraisal Power of Attorney, agree on the time of field investigation, and specify the specific requirements during the investigation. Article 395 of the Civil Law of People's Republic of China (PRC) stipulates that the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (two) the right to use construction land for production equipment, raw materials, semi-finished products and products; (5) Other properties mortgaged by means of transportation under construction. The mortgagor can put the former

Fourth, how to evaluate the mortgaged house?

1. The entrusting party shall consult and consult the relevant documents in a qualified house mortgage appraisal institution to understand the relevant provisions of house mortgage appraisal. The entrusting party issues a "house appraisal power of attorney" to the house mortgage appraisal institution as the basis for entrusted appraisal. If there is no objection to the housing mortgage appraisal institution, it can be regarded as accepting the entrustment.

2. The entrusting party shall provide the appraised house and land with relevant information, such as land use certificate and drawings, property right certificate and drawings of above-ground buildings, and registration documents of other rights of real estate, etc. To obtain the land use right in a paid way, a contract for the assignment or transfer of the land use right must be provided.

Thirdly, after the materials are fully prepared and handed over to the house mortgage appraisal institution, it is convenient for the entrusting party to agree on the time of field survey with the house mortgage appraisal institution, and to specify the specific requirements during the survey. The house mortgage appraisal institution conducts on-the-spot investigation and appraisal of the client's house at the agreed time, and it takes about one month for the client to pay the house mortgage appraisal service fee, and the client can conveniently receive the house mortgage appraisal report.

Legal basis:

According to Article 2 of the Asset Appraisal Law, the term asset appraisal (hereinafter referred to as appraisal) as mentioned in this Law refers to the professional service behavior that appraisal institutions and their appraisal professionals accept the entrustment to appraise real estate, movable property, intangible assets, enterprise value, asset loss or other economic rights and interests, and issue appraisal reports.