How much is the property mortgage loan appraisal fee?

The house can be mortgaged to the bank. This is one of its main values, and it is also what many people do when they encounter financial needs in life. things. Before a house is mortgaged, a professional needs to evaluate the house to determine its value. So, how much is the house mortgage appraisal fee? Hualv.com has more knowledge, welcome to browse. How much is the house mortgage appraisal fee on Hualv.com? 1. According to the relevant regulations of the Price Bureau, the current appraisal fee charging standard adopts a progressive charging rate, as follows: 1. If the total price of the house is less than 1 million yuan (including 1 million yuan), the appraisal fee will be charged 0.42 of the total price. 2. The progressive billing rate for 1 million yuan to 5 million yuan (including 5 million yuan) is 0.3. 3. 0.12 of the total assessed price for 5 million yuan to 20 million yuan. 4. 20 million yuan If the amount reaches 50 million yuan (including 50 million yuan), 0.06 of the total assessed price will be charged. 5. If the amount exceeds 50 million yuan, 0.012 of the total assessed price will be charged. Judging from the current situation, the fees charged by each appraisal agency are different. Generally, the appraisal fee is one thousandth to five thousandths of the property valuation, and it varies according to the location, age, etc. of the house. In addition, the mortgage loan appraisal fee is also related to the distance between the collateral and the application agency. Generally speaking, the further the distance, the higher the value of the mortgage, and the higher the appraisal fee. 2. There are many factors that affect the price of a house, such as property type, structure, level, orientation, indoor clear height, bay span, construction year, ownership, lot grade, area, room type, lighting, kitchen and bathroom size, and construction quality. , the number and brand of elevators, facade shape, interior and exterior decoration and environment of the property, greening, humanities, transportation, commercial service facilities, infrastructure, residential popularity, plot ratio of the community, regional planning, etc., are all things that home buyers need to consider. . 1. The age of the house directly affects whether the buyer likes it. After the house is completed, it enters the depreciation period. When selling second-hand houses, you must calculate the depreciation of the house. The depreciation period for brick-concrete houses is generally 50 years. 2. In the apartment market, regular two-bedroom and three-bedroom apartments are more popular among home buyers, and the higher the appraised price will be; conversely, apartments with irregular layouts, or apartments that are too small or too large, etc. This will lower housing prices a lot. 3. The quality of the floors will also directly affect the price of the house. The assessed price of the house in the middle of the stairs will be relatively higher, but if there is an outdoor garden on the ground floor or a roof garden on the top floor, the price may be higher. Higher. 4. Location If the house is located in a good geographical location, such as in the core area of ??the city or with complete surrounding facilities, the appraised price will naturally be higher. 5. In the same area of ??the community, the community environment of second-hand houses will be inferior to that of new residential areas. When evaluating, the layout of the community, facilities, greening, sports facilities, and the appearance of the house need to be comprehensively considered.

How to evaluate the value of a mortgaged house

Entrust a qualified house value appraisal agency to conduct the evaluation. If a natural person, legal person or other organization needs to determine the value of an appraisal object, it may voluntarily entrust an appraisal agency to conduct an appraisal. If it involves matters such as state-owned assets or public interests and requires assessment according to laws and administrative regulations (hereinafter referred to as statutory assessment), an assessment agency shall be entrusted with the assessment in accordance with the law.

Legal Basis

Article 3 of the "Assets Appraisal Law of the People's Republic of China"

Natural persons, legal persons or other organizations need to determine the value of the appraisal object , you can voluntarily entrust an evaluation agency to evaluate.

If matters involving state-owned assets or public interests require assessment according to laws and administrative regulations (hereinafter referred to as statutory assessment), an assessment agency shall be entrusted with assessment in accordance with the law.

Article 4 of the "Assets Appraisal Law of the People's Republic of China"

Appraisal agencies and their appraisal professionals shall abide by laws, administrative regulations and appraisal standards when conducting business, and follow independent , objective and fair principles.

Appraisal agencies and their appraisal professionals conduct business in accordance with the law and are protected by law.

Article 5 of the "Assets Appraisal Law of the People's Republic of China"

Appraisal professionals engaged in appraisal business shall join an appraisal agency and can only engage in business in one appraisal agency .

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House mortgage loan evaluation

1. According to the relevant regulations of the Price Bureau, the current house mortgage loan evaluation fee The standard adopts a progressive charging rate, as follows: 1. If the total price of the house is less than 1 million yuan (including 1 million yuan), 0.42% of the total assessed price will be charged. 2. The progressive billing rate for amounts ranging from RMB 1 million to RMB 5 million (including RMB 5 million) is 0.3%. 3. For projects ranging from RMB 5 million to RMB 20.21 million, 0.12% of the total assessed price will be charged. 4. For projects ranging from RMB 20.21 million to RMB 50 million (including RMB 50 million), 0.06% of the total assessed price will be charged. 5. For projects above 50 million yuan, 0.012% of the total assessed price will be charged. 2. There are many factors that affect the price of a house, such as property type, structure, level, orientation, indoor clear height, bay span, construction year, ownership, lot grade, area, room type, lighting, kitchen and bathroom size, and construction quality. , the number and brand of elevators, facade shape, interior and exterior decoration and environment of the property, greening, humanities, transportation, commercial service facilities, infrastructure, residential popularity, plot ratio of the community, regional planning, etc., are all things that home buyers need to consider. . 1. The age of the house directly affects whether the buyer likes it. After the house is completed, it enters the depreciation period. When selling second-hand houses, you must calculate the depreciation of the house. The depreciation period for brick-concrete houses is generally 50 years. 2. In the apartment market, regular two-bedroom and three-bedroom apartments are more popular among home buyers, and the higher the appraised price will be; conversely, apartments with irregular layouts, or apartments that are too small or too large, etc. This will lower housing prices a lot. 3. The quality of the floors will also directly affect the price of the house. The assessed price of the house in the middle of the stairs will be relatively higher, but if there is an outdoor garden on the ground floor or a roof garden on the top floor, the price may be higher. Higher. 4. Location If the house is in a good geographical location, such as in the core area of ??the city or with complete surrounding facilities, the appraised price will naturally be higher. 5. In the same area of ??the community, the community environment of second-hand houses will be inferior to that of new residential areas. When evaluating, the layout, facilities, greening, sports facilities, and the appearance of the house need to be comprehensively considered.

How to evaluate a mortgage house

To evaluate a mortgage house, you should choose a qualified housing mortgage evaluation agency, and a "House Evaluation Power of Attorney" is required. During the appraisal, it is necessary to provide relevant information on the appraised house and land, and then agree on the time for the on-site survey and clarify the specific requirements for the survey. The appraisal can be carried out according to the procedures. Article 395 of the "People's Republic of China and Civil Code" 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; (2) construction land use rights; (3) Right to use sea areas; (4) Production equipment, raw materials, semi-finished products, and products; (5) Buildings, ships, and aircraft under construction; (6) Transportation tools; (7) Mortgage not prohibited by laws and administrative regulations Other property. The mortgagor may mortgage the properties listed in the preceding paragraph together.

How to evaluate house prices when buying a house with a loan

For some home buyers, they will use loans to buy a house. At this time, how to calculate the loan limit is more important. Generally speaking, the loan amount involves many factors, such as the down payment, the monthly payment required, etc. What does second-hand house appraisal mean? Can the appraisal price be raised?

For some home buyers, they will use loans to buy a house. At this time, how to calculate the loan limit is more important. Generally speaking, the loan amount involves many factors, such as the down payment, the monthly payment required, etc. Especially buyers of second-hand houses often encounter this situation: the price of a house is 1 million, but the actual loan amount is only 500,000 to 600,000. Why is this? Usually related to the appraised price.

What does second-hand house appraisal mean? Can the appraisal price be raised?

1. What is a house appraisal?

1. The meaning of house evaluation

In the process of second-hand house transactions, after the home buyer applies for a loan to the bank, the bank will appoint an evaluation agency to evaluate the house. The loan will be further negotiated with the borrower after the appraisal report is issued by the appraisal agency. The real estate appraisal fee is basically based on the current situation, that is, it will change according to the market. Taking an online appraisal platform as an example, the real estate appraisal fee is generally several hundred to several thousand, and there will be two real estate appraisal reports produced by the appraisal, which are recognized by banks and housing authorities.

2. The meaning of appraisal price

Appraisal agencies generally come up with a value based on the location, age and other actual conditions of the house, which is the appraisal price. There is a certain difference between the purchase price of a house and the appraised price. The appraised price of a house is generally lower than the actual transaction price of the house.

3. Range of appraisal price

In actual operation, the appraisal value is 80%-90% of the actual transaction price of the house. The percentage is affected by various factors such as the age of the building, decoration, location, etc. Based on the house valuation given by the appraisal agency, as well as the consideration of risk, house depreciation, borrower's income, etc., the bank will ultimately agree to the applicant's application and grant the loan.

4. The impact of the appraisal price on the down payment

The higher the appraisal price, the higher the loan amount. Is the higher the appraisal price, the better? Actually no, the higher the appraised value, the lower the down payment will be. However, based on the cost of purchasing a house, the lower the appraised value is, the less taxes and fees you have to pay, so this decision should be based on your own funds on hand and down payment situation.

5. What factors affect house evaluation

Housing factors: including age and condition of the house, unit type, floor, and orientation. Environmental factors: including property management, whether it is an independent community, and surrounding supporting facilities.

2. Can second-hand house appraisal increase the appraisal price?

For home buyers, it is certainly possible to have a high appraisal price, but banks may not necessarily approve it. Just ask the bank beforehand whether you can get a loan after the high price (note: it is recommended that you know the high price, and do not let the bank know). Although the higher the total appraised price of a second-hand home loan is, the higher the loan you can obtain will be, and the down payment will be correspondingly higher.

Although in theory it is possible to raise the appraised price to help buyers reduce the initial pressure, I do not agree with you making the appraised price of second-hand houses too high. Once the borrower has repayment problems, There will be very serious consequences. If it happens, there will only be harm, no benefit. I hope that the two questions I have summarized about what a house appraisal is and whether a second-hand house appraisal can increase the appraisal price will make it easier and faster for you to buy a second-hand house.

Does a house mortgage loan require an appraisal fee?

Applying for a house mortgage loan requires a professional appraisal agency to appraise the house, and then the bank determines the loan amount based on the appraised value, so the appraisal fee is To be charged.

Loan process:

1. Before borrowing, the borrower fills out the residential mortgage application form and submits the following supporting materials to the bank

2. The bank’s requirements for the borrower Loan applications, home purchase contracts, agreements and related materials will be reviewed. An appraiser evaluates the home.

3. The borrower will hand over the property ownership certificate and insurance policy or securities of the mortgaged property to the bank for collection.

4. The guarantors of both the borrower and the borrower sign a housing mortgage loan contract and have it notarized.

5. After the loan contract is signed and notarized, the bank's deposits and loans from the borrower will be transferred to the house selling unit or building unit specified in the house purchase contract or agreement by transfer.

6. The loan is settled and the mortgage is processed.

Loan information:

1. Valid ID card and household registration book of the borrower;

2. Proof of marital status. If you are unmarried, you need to provide a certificate of celibacy and a divorce certificate. If you are divorced, you need to issue a civil mediation letter or divorce certificate (indicating that you have not remarried after the divorce);

3. If you are married, you need to provide your spouse’s valid ID card, household register and marriage certificate;

4. Proof of income of the borrower (certificate of salary income for six consecutive months or local tax certificate);

5. Property ownership certificate of the property;

6. Guarantor (identity required) Certificate, household register, marriage certificate, etc.)

7. Proof of second residence (to ensure that the borrower will have a place to live once the borrower's house is auctioned)

Loan conditions :

(1) Have legal status, be between 18 and 65 years old, and have full capacity for civil conduct. ;

(2) Have stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) Have a legal and valid house purchase contract;

(4) If a newly purchased house is used as the maximum amount of mortgage, it must have a legal and valid house purchase contract, the house must be less than 10 years old, and a down payment of no less than 30% of the total price of the house purchased must be prepared or paid;

(5) If you have purchased and applied for a house mortgage loan, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the house used as mortgage has obtained the housing rights. It is a certificate and the house is less than 10 years old;

(6) Ability to provide an effective guarantee recognized by the lending bank;

(7) Other conditions stipulated by the lending bank