In the process of provident fund loan, it is necessary to apply for housing evaluation at the same time of preliminary examination, which is not necessary for commercial loans. The appraisal unit designated by the provident fund management center evaluates the real estate value and issues an appraisal report. With the report, the second step is to check whether your loan amount is lower than the value of the property, in other words, to see if the property is worth lending you so much money.

If you go to the provident fund management center, you can set up an office in their lobby and apply for evaluation. The appraisal unit has receptionists in the lobby, and directly asks them to pay a certain appraisal deposit (300 yuan). After three working days, you can wait for a phone call to receive your own evaluation report, and then pay the difference evaluation fee when you receive the report. Maximum cap 1.500 yuan. In the meantime, appraisers will go to the real estate to ask for their developers' certificates, such as five certificates. Copies of these documents will be reflected in the evaluation report. You can read the report after you receive it. At least you should know in advance.

The procedures of the provident fund loan in the class are complicated, and besides the real estate assessment fee, after the audit, you have to go to the guarantee center to pay the guarantee fee with the audit form issued by the provident fund management center (this institution, like the evaluation unit, has a working place in the management center, and you can also stay at home). After the guarantee fee is paid, the guarantee company will return to the management center after the contract is sealed and guaranteed, and then the staff of the management center will call you for an interview and signature. This is a brief process after the evaluation, and I hope it will help you.