Second-hand housing transfer transactions should be evaluated, because real estate assessment is a very important link in the process of second-hand housing transactions. Whether it is buying a house loan, selling a house, or looking for an intermediary or a bank, they will evaluate the house. For example, buyers need to apply for mortgage loans, and banks can only issue loans to buyers according to the evaluation report of the evaluation agency. Of course, before selling a house, the seller can also have a picture of the house he sells through a professional real estate assessment. In order to avoid unnecessary losses and troubles in the transaction, both buyers and sellers should have a certain understanding of "real estate appraisal".

What is the necessity of real estate appraisal?

1. When the house price is obviously too low, it is necessary to evaluate the price of second-hand houses.

In order to pay less taxes, buyers and sellers may underreport and underreport their transaction price when reporting to the real estate management department. If the real estate management department thinks that the price is obviously lower than the value of the real estate, and both parties to the transaction are unwilling to adjust the house price, it entrusts a professional appraisal institution with certain qualifications to evaluate the second-hand house of the transaction real estate, and takes the evaluated price as the basis for paying taxes.

2. When the buyer and seller think it is necessary, they need to evaluate the second-hand house.

In order to determine a reasonable transaction price, both parties to the transaction can also entrust an evaluation firm to evaluate the second-hand house as a reference for the transaction price. Under normal circumstances, buyers and sellers can determine the transaction price by themselves. However, if one or both parties have no idea about the price of the second-hand house, they will entrust a qualified appraisal firm to evaluate the second-hand house.

3. Handling real estate insurance requires second-hand housing appraisal.

Handling real estate insurance requires second-hand housing to evaluate housing prices, determine the insurance value, and evaluate the occurrence or loss of insurance accidents.

4. To apply for a mortgage loan, you need to evaluate the second-hand house.

In the process of real estate transaction, some buyers exaggerate the transaction price of second-hand houses in order to pay less down payment. The price higher than the actual value is very risky for loan banks. Therefore, in order to determine the value of collateral, banks need to evaluate the mortgagor's property as a second-hand house.

5. When there is a real estate dispute, it may be necessary to evaluate the second-hand house.

After the signing of the second-hand housing sales contract, if one party has a dispute on the grounds that the price is too high or too low to show fairness, one or both parties or arbitration institutions and courts may entrust a professional appraisal institution to conduct second-hand housing appraisal on the disputed property involved in the dispute case.

What should I do after the second-hand house transfer transaction is completed?

1. If the seller pays the house price first and then transfers the house, it needs to continue to apply for commercial loans and provident fund loans with the transferred real estate license;

2. If most of the house payment paid to the seller is supervised by the bank, you should also apply to the bank with the real estate license to transfer the balance to the seller's account;

3. After the transfer of property rights, there are water, electricity, natural gas and digital TV accounts. Most importantly, if you buy a house with school places or need to move your account to your current housing address, you need to find the original landlord to move your account.

4. After the second-hand house is transferred, it can be renovated.