There will be several problems in the appraisal company's high appraisal:
1. The system of bank loan is unified in the whole city. If the house price of a residential area is the same as that of an appraisal company with two values, such as three floors, decoration and area, one with an appraisal of 5, yuan and the other with an appraisal of 6, yuan, then this is the problem of the appraisal company, which may affect the shortlist of the appraisal company in the coming year, because the appraisal company has to declare materials to the bank every year.
2. The appraisal report issued by the appraisal company will also be inspected by the trade association. If there are problems in the inspection by the trade association, the real estate appraisal qualification will be revoked, and the real estate appraisal report cannot be issued after revocation.
3. Appraisal companies are now required to deposit a deposit in the bank to ensure that the appraisal is fair and open, thus playing the role of an independent third-party intermediary. If the house is ultimately unable to recover its principal when it is auctioned because of the appraisal company's overvaluation, the remaining money will be made up by the appraisal company, that is to say, 1 million yuan will be appraised and 8, yuan will be loaned during the appraisal, and the house will be defective. Because the appraisal company's overvaluation leads to the auction of the house by the bank, the remaining 2, yuan will be recovered. This is stipulated by the "law", but I don't remember which law.
4. Therefore, the general appraisal company will not give the entrusting party a high appraisal at the risk of revocation of qualification and loss of money. They would rather underestimate or overestimate the risks, but if underestimation involves the loss of state-owned assets, it is also a big problem. The loss of state-owned assets also needs to be filled by the evaluation company, so generally, the evaluation of the evaluation company will not be too high or too low.