1. What is the appraisal price of the second-hand house?
That is to say, the appraisal value of second-hand housing is a link that must be passed in the process of second-hand housing transaction.
The appraisal company approved by the loan bank is a comprehensive price based on the original purchase price of the house, the present situation of the house, the surrounding transactions and other factors, and influenced by the age of the house, the apartment type, the floor, the decoration and the supporting facilities.
To put it simply, when we buyers need to apply for mortgage loans, banks need to provide loans to buyers according to the housing evaluation report and the prescribed housing price ratio.
Second, how much can the evaluation price of second-hand houses generally reach the market price?
Generally 80%-90% of the market price. When buying a house with a loan, the evaluation price will be used, which generally includes commercial loan evaluation, provident fund loan evaluation and portfolio loan evaluation.
The evaluation value of commercial loans can generally reach about 80%-90% of the market price, and the evaluation value of provident fund loans can generally reach about 80%-85% of the market price.
In terms of the timeliness of the evaluation process, the evaluation of commercial loans is higher. The evaluation report of portfolio loans can be used by both commercial banks and provident fund centers, and only one evaluation is needed.
Third, what factors will affect the evaluation value of second-hand houses?
The evaluation price of second-hand houses will be affected by factors such as age, apartment type, floor, decoration and supporting facilities. The appraisal price is mostly 80%-90% of the market value, and the proportion of some older houses will be lower.
1, the initial purchase price of the property.
The initial purchase price will have a certain impact on the value evaluation. The value of a house will generally rise or fall over time, so it is necessary to take the initial purchase price as a reference when evaluating a house.
2, the use of real estate time
Second-hand houses are generally sold after a period of use, so the use time of the house needs to be taken into account when evaluating. Houses that have been used for a long time will naturally have lower prices, while houses that have been used for a short time will have higher prices. The reasonable algorithm is to depreciate by 2% every year.
3. Building structure, floor and orientation
Good building structure, floor and orientation are important factors for building bonus points. Usually, a house with a good floor and orientation is 3% to 8% more expensive than a house that is not ideal in these aspects.
4, the surrounding environment of the community
If the surrounding environment of the property sold by the seller is excellent, it will be easier to obtain the psychological identity of the buyers. A good surrounding environment will increase the price of real estate per square meter by about 2% to 5%.
5. Number and brand of elevators
Many people will look at elevators when buying a house, especially when buying a building, because sometimes the number and brand of elevators will be a symbol of convenience and safety. Even if there are more elevators and elevator brands with higher credibility, it will not necessarily add points to the value of the property, but will also have a significant impact on the psychological comfort of buyers.
6. Location of the house
There is no doubt about the location. Obviously, the price of a house with a good location will be higher than that of a house with a bad location. Especially when the lot has been fully developed and there are no new projects, the scarcity of the real estate lot itself will bring immeasurable value space.
7. Community supporting facilities
Residential areas with convenient transportation and complete facilities will improve their livability accordingly, so they are easier to sell. For residential areas with poor traffic conditions and imperfect commercial service facilities and infrastructure, about 5% will be deducted from the price.
8. Regional planning of residential buildings
In addition, many property buyers will pay more attention to the future planning of real estate areas when buying second-hand houses, and well-planned areas will provide 2% to 5% space for the price increase of real estate.