General assessment agencies will get a value according to the actual situation such as the location and age of the house, that is, the assessment price. There is a certain difference between the purchase price and the evaluation price. The appraised price of the house is generally lower than the actual transaction price of the house, and the appraised value in actual operation is 80%-90% of the actual transaction price of the house. This percentage is influenced by various factors, such as building age, decoration and location.

The bank evaluates the progress of real estate loans.

1. Loan evaluation An evaluation report is issued by an evaluation agency designated by the bank, which is used by the bank to determine the value of property rights and confirm the loan amount. This appraisal price is the value compared by the appraisal company according to historical transaction records or market price survey, which is generally close to the transaction price of the house. Ordinary lenders can refer to the average price on the website of large real estate, but the difference is around 500 yuan per square meter.

2. The price higher than the actual value is very risky for the lending bank. Therefore, banks need to evaluate the mortgagor's real estate to determine the collateral value. However, in order to get the loan smoothly, confirm the value of the property and determine the loan amount that they may get, some borrowers will entrust an evaluation agency to evaluate their property value in advance.

3. The evaluation criteria of banks mainly include regional factors, such as living area, traffic conditions, surrounding environment, supporting facilities, future development prospects, environmental pollution, etc. There is also the house's own factors, mainly including building age, floor, orientation, apartment type, house decoration, ventilation and lighting, property type, gas status, housing allocation rate and so on. Of course, market factors and psychological factors are also very important.

What are the methods of real estate appraisal?

1, cost method

(1) Cost product algorithm, that is, the method of calculating the total cost of land acquisition or land development, excluding the value affected by abnormal factors, and obtaining the value of land use right by taking a certain amount of capital interest and reasonable investment profit after the accumulation of normal costs and expenses. This method is usually used to evaluate land acquired through normal procedures.

(2) Replacement cost method is a method to calculate the reconstruction cost of existing houses according to normal market standards, then consider the interest of funds and calculate a certain development (or construction profit) to get the complete replacement cost price, then determine the replacement rate of houses according to the actual situation and legal norms, and then multiply the two to get the evaluation value of houses.

2. Market comparison method. Select real estate price cases with the same use and similar other conditions in the market (cases that have been sold or evaluated and have normal quotations) to compare with the conditions of the real estate to be evaluated, quantify all factors through indicators, and obtain the method of real estate value to be evaluated through accurate index comparison and adjustment. This method has a strong practical significance and accuracy, and is mostly used in situations where the market is mature, the transaction is transparent, comparative cases are easy to find, and the valuation results are more accurate.

3. Residual method. When the total real estate price is known or can be calculated, because the total real estate price = land use right value+real estate value, the land use right value or real estate value can be calculated, and the real estate value or land use right value can be obtained after deducting it from the total value. This method is often used for the single appraisal of houses or land.

4. Income method. Different regions, different uses and different types of real estate yield are also different, and the method to calculate the value of the real estate to be evaluated is the income reduction method. Real estate value = net real estate income/rate of return.

5. Hypothetical development method. For unfinished real estate development projects (pure land or projects under construction, etc.). ), by calculating the market value after normal development, and then deducting the normal investment of the remaining development tasks, the method of real estate value to be estimated is obtained.

6. Benchmark land price method. For the evaluation of the land use right value of a plot, we can refer to the existing benchmark land price of the same level and use, adjust the general factors, regional factors and individual factors, and finally get the method of the land use right value of the appraised object. This method has a certain policy.

7. Route price method. The value of land use right has a great relationship with the location of land (frontage: width and depth). For the same piece of land, the value of land is relatively stable. If the average price of the land in this plot is known, the method of obtaining the land value of the appraised object by adjusting the width and depth of the street is the route price method.