is needed.

the appraisal fee is required for both commercial loans and provident fund loans, because the bank does not directly check the mortgage price when going to the provident fund management center, but entrusts a professional third-party appraisal company to issue an appraisal report.

There are two places that need to be evaluated in the sale of houses, all of which are basically undertaken by the housing undertaker.

1. loan evaluation: this evaluation report is issued by the evaluation agency designated by the bank, which is used for the bank to determine the value of property rights and confirm the amount of loans. This fee is not clearly stipulated in relevant laws and regulations, but most of it is borne by the buyers in reality.

second, transfer evaluation: when the nature of the land is commercial, it is also necessary to evaluate the transfer price of the company, and the residential building does not need an evaluation report. This evaluation is confirmed by the local tax bureau based on the declared price and historical transaction data.

this fee is generally borne by the buyer and the seller through negotiation, and is usually borne by the housing undertaker.

Extended information:

Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

those who participate in the housing provident fund system must also meet the following conditions in order to apply for housing provident fund personal purchase loans: the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it shows that his income is unstable and he is prone to risks after issuing loans.

when applying for housing provident fund loans, the loan applicant must have a relatively stable economic income and the ability to repay the loans, and there are no other debts that have not been paid off and may affect the repayment ability of the housing provident fund loans. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.

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