20 17 how to calculate the appraisal fee for second-hand housing loans? What is the evaluation standard of second-hand housing loan?

The evaluation price of second-hand housing loans is mainly determined by the following factors.

1, housing factor

(1) depreciation: annual depreciation rate -2%

(2) Xing Tao: "three small" Xing Tao (small hall, kitchen and bathroom)-10%

(3) Floor: 2 floors and 6 -3% floors; 7th floor-5%; 3, 4 floor+3%; 1, the fifth floor is the benchmark price;

(4) Orientation: No facing south window -5%

2. Environmental factors

(1) No property management -5%

(2) Non-independent closed communities -5%

(3) There are provincial and municipal key primary schools+15%.

It should be noted that there may be a big difference between the appraisal price given by the appraisal agency and the market price of the house, which may only be 80%-90% of the actual transaction price. This requires us to prepare the difference between the expected loan amount and the actual loanable amount in addition to the down payment when buying a second-hand house.

How to collect the evaluation fee for second-hand housing loans?

Second-hand housing loans are usually evaluated by an appraisal agency designated by the bank, and the cost will vary, generally 0. 1%-0.5% of the appraisal price. It should be noted that the charging standard given by the National Development and Reform Commission is 0.3%-0.5% of the evaluation price, and the specific charging standard fluctuates according to market adjustment. Therefore, the charging standards of appraisal fees will vary from region to region and from institution to institution. It is best for buyers to specify the charging standard of appraisal fees when signing a service agreement with appraisal institutions, so as to avoid affecting the purchase process due to the appraisal fees afterwards.

(The above answers were published on 20 17-07- 10. Please refer to the current actual purchase policy. )

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