Among them, the housing appraisal value means that before signing the loan contract, the bank will find an appraisal company to take photos of the mortgaged property and evaluate the asset value. This price fluctuates the most. Let's give a simple example: the actual transaction price of a second-hand house is 1 10,000, the loan evaluation may be 900,000, and the down payment ratio of the city is at least 30%, so the down payment that buyers need to pay for buying this house is 1 10,000-900,000 * (1-30 *) = 370,000.
Factors affecting the down payment of second-hand houses
The loan ratio in general cities is fixed, so the down payment amount of second-hand houses is mainly related to the loanable amount. The factors that affect the amount of housing loans mainly include:
1, the age of the house
Second-hand housing in the loan transaction, the bank will measure the age of the house. In this way, the loan amount for new houses will be higher, the loan amount for slightly longer houses will definitely be much lower, and the down payment for second-hand houses will be higher.
2. Housing appraisal price
Second-hand housing transactions will be evaluated before. The housing appraisal report will directly affect the loan amount. Therefore, the lower the evaluation price, the higher the down payment; The higher the evaluation price, the lower the down payment. Factors affecting the evaluation price:
(1) room type, the greater the housing utilization rate, the higher the evaluation price, and the second-hand houses with "three small" rooms (small hall, kitchen and bathroom) will be deducted from the evaluation price by about 10%;
(2) Floor and tower: middle floor > top floor > bottom floor; Banlou: middle floor > 1 floor > 5 and 6 floors. If 1 floor is the benchmark price, the 2 nd and 6 th floors will be reduced by 3%, the 3 rd and 4 th floors will be increased by 3%, and the roof will be reduced by 5%;
(3) The service life of the house will affect the price evaluation. The longer the service life of the house, the older the house, and the lower the valuation. The shorter the service life, the younger the house and the higher the valuation.
(4) Architectural orientation: southeast > southwest > Shuangnan > east > west > northwest > north; Banlou: North and South > Shuangnan > East and West > East;
In addition, the area, decoration and property right of the house can directly or indirectly affect the evaluation price of the house.
3. Requirements of the landlord
In housing transactions, if the landlord asks for an increase in down payment, both parties need to negotiate and decide, so the loan amount will change accordingly.