Hello, you don't need to evaluate the property yourself. The bank evaluates the real estate through the housing appraisal company, and the appraisal fee is paid by you. The bank determines your loan ceiling according to the appraised price of the house, the down payment you can afford and your credit rating. At the same time, the bank will also consider whether to give you preferential interest rates. Sometimes, the bank will ask you to apply for mortgage insurance or mortgage guarantee (it is recommended that you find Ping An Insurance Company to buy mortgage insurance, not mortgage guarantee, and the cost is similar, but the mortgage insurance can guarantee that you can't afford the loan in the future, and the house is still yours, but the mortgage guarantee can't be guaranteed).

The mortgage loan process is as follows:

1. Conditions that the borrower shall meet:

1. At least 18 years old, with full capacity for civil conduct.

2. Citizens of People's Republic of China (PRC) (China) (Hongkong, Macau and Taiwan Province)

3. Other conditions stipulated by the lending bank.

2. Loan amount:

1. residence: the maximum loan amount can reach 70%-80% of the appraised price.

2. Apartment: The maximum loan amount shall not exceed 70% of the appraised price.

3. Villa residence: The maximum loan amount shall not exceed 70% of the appraised price.

4. Commercial house: The maximum loan amount shall not exceed 60% of the appraised price.

Three. Materials to be submitted by the applicant:

1. Original property certificate, purchase agreement and invoice.

2. Copy of the borrower's valid ID card (front and back)

3. Copy of household registration (husband and wife) Note: Foreigners must submit temporary residence permits.

4 proof of income (unified bank format, official seal of the unit)

5. Marriage certificate (married marriage certificate, unmarried certificate, divorce certificate or court verdict, widowed death certificate, property notarial certificate)

I hope it helps you ~!