When buying a second-hand house with a loan, the purchaser needs to provide the collateral evaluation report issued by the evaluation agency, and the evaluation value will affect the maximum loan amount; Property buyers do not evaluate loans to buy new houses.
First, how to evaluate the provident fund loan to buy a house?
When buying a house with a provident fund loan, the housing provident fund management center will only issue the loan and complete the loan application after going through the process of "review-online signing-evaluation-preliminary examination/face-to-face signing-loan contract-tax payment-transfer" (the state-managed provident fund implements the "one-step" process).
1. Process and restrictions:
(1) municipal provident fund loan:
The appraisal institution shall issue a mortgage price appraisal report within 2 working days after receiving the appraisal application from the loan applicant.
(2) provident fund loans managed by the state:
Check the house about 5-7 working days after receiving the property ownership certificate, copies of the ID cards of the buyer and the seller, the online signing contract signed by the buyer and the online signing information form, make an evaluation report within 5-7 working days after the house inspection, and return the evaluation report (at present, the time limit is different according to the acceptance situation of different business outlets).
2. Evaluate the charging standard:
After 2065438+September 30, 2006, the highest standard of appraisal fee for second-hand houses was lowered from 1500 yuan/copy to 600 yuan/copy, and the borrower had to charge for changing the appraisal report, and the fee was 100 yuan/copy.
3. Optional evaluation company:
(1) municipal provident fund loan:
The depositor can choose the following six appraisal companies to apply for second-hand housing appraisal, or apply for second-hand housing appraisal from the appraisal companies of Beijing Housing Provident Fund Management Center, Housing Provident Fund Loan Center and 10 Outer Suburb Management Department.
When applying for a city provident fund loan, it shall be assessed by an assessment agency recognized by the management center.
(2) provident fund loans managed by the state:
The fund center does not designate an evaluation institution, and the loan applicant can choose an evaluation institution recognized by the loan handling bank in combination with factors such as handling efficiency and charging level.
Second, how to evaluate buying a house with a commercial loan?
When buyers buy houses through commercial loans, they need to go through the process of "review-online signing-evaluation-face-to-face signing-tax payment-transfer" before commercial banks can lend money and complete loan applications.
(1) Process and time limit:
Prepare photocopies of real estate license and ID cards of buyers and sellers for evaluation, arrange house inspection within one working day after the appraisal company accepts it, and issue an evaluation report within three working days after the house inspection.
(2) Evaluation charging standard:
600 yuan/time, if the borrower applies for a commercial loan, it can replace the evaluation report once for free, and the fee for the second replacement is 100 yuan/time.
(3) Optional evaluation company:
When evaluating commercial loans to buy a house, it is generally necessary to choose an evaluation agency that cooperates with banks.
Third, how to evaluate the portfolio loan to buy a house?
Buyers who apply for municipal portfolio loans to purchase houses need to be interviewed/reviewed first and then evaluated; To apply for a portfolio loan managed by the state, it needs to be evaluated first, and then signed/examined in person.
(1) Restrictions and procedures:
City provident fund loans:
The appraisal institution shall issue a mortgage price appraisal report within 2 working days after receiving the appraisal application from the loan applicant.
State-managed provident fund loans:
Check the house about 5-7 working days after receiving the property ownership certificate, copies of the ID cards of the buyer and the seller, the online signing contract signed by the buyer and the online signing information form, make an evaluation report within 5-7 working days after the house inspection, and return the evaluation report (at present, the time limit is different according to the acceptance situation of different business outlets).
(2) Evaluation charging standard:
600 yuan/time
(3) Optional evaluation company:
Municipal portfolio loan:
It is necessary to select 6 appraisal companies approved by the municipal provident fund loan.
Portfolio loans managed by the state:
Select the appraisal company and the handling bank recognized by it for appraisal.
Note: When taking photos for evaluation, each house must have a set of photos, which cannot be replaced. In addition, the evaluation report can only be issued once, and cannot be issued repeatedly.
Source: Beijing Housing Provident Fund Management Center, Housing Fund Management Center of Central State Organs.
This content is only applicable to Beijing.
Does the provident fund loan need an evaluation fee to buy a second-hand house?
Is needed.
Appraisal fees, whether commercial loans or provident fund loans, are needed, because when going to the provident fund management center, banks do not directly check the mortgage price, but entrust a professional third-party appraisal company to issue an appraisal report.
In the sale of housing, there are two places that need to be evaluated, which are basically undertaken by the housing undertaker.
1. Loan appraisal: This appraisal report is issued by the appraisal institution designated by the bank and used by the bank to determine the property right value and confirm the loan amount. This cost is not clearly stipulated in relevant laws and regulations, but in reality most of it is borne by the buyers.
2. Transfer evaluation: When the nature of the land is commercial, the transfer price of the company needs to be evaluated, and the residential building does not need an evaluation report. This assessment is confirmed by the local tax bureau according to the declared price and historical transaction data.
This cost is generally borne by the buyers and sellers through negotiation, and usually borne by the housing undertaker.
Extended data:
Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.