What can pass the bank loan evaluation?

How does the bank evaluate the personal loan amount?

It mainly evaluates the age, occupation, number of borrowers, housing situation and the age of second-hand houses.

1, lender's age. Basically all banks require borrowers to be 18-65 years old.

2.* * * Same as the number of borrowers. Some people buy a house by tearing it down between husband and wife or relatives.

3. The professional perspective of the lender. Engaging in different occupations will also affect the progress and results of mortgage approval.

4. The age of second-hand houses.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Loan type:

According to the loan term, it is divided into:

Medium-and long-term loans-the loan term is more than 5 years.

Medium-term loan-the loan term is greater than 1 year and less than 5 years.

Short-term loan-the loan term is within 1 year.

Overdraft-a loan with no fixed term

By currency:

Local currency loan

loan

According to the nature of the lender, it is divided into:

Bank loan (self-operated loan)

Consortium lending

Entrusted loan (provident fund loan is a typical entrusted loan)

Specific loan

According to the nature of the loan subject, it is divided into:

Economic organization loan

Enterprise unit loan

Public institution loan

personal loan

According to the purpose of the loan, it is divided into:

Enterprise (economic organization) category

Fixed assets investment loan

Project financing loan

General fixed assets loan

liquidity loans

Lay the foundation for working capital loans

Temporary current loan

bill discounting

Individual human

Personal commercial loan

Personal consumption loan

Housing mortgage loan (commonly known as mortgage)

Primary housing loan

Second hand housing loan

Increase in housing loans

Financial mortgage loan

housing loans

Commercial housing mortgage loans (some banks classify such loans as operating loans)

Primary housing loan

Second hand housing loan

Auto loans (including self-use cars and commercial vehicles, some banks classify commercial vehicle loans as operating loans)

Used car (car loan)

Used car (original car financing loan)

Locomotive-related loans

Locomotive financing (also known as locomotive loan, locomotive loan and increase of locomotive loan)

Car installment loan (also known as car installment loan, car loan, motorcycle installment loan or motorcycle installment loan)

Student loan

Other consumer loans

Decoration loan

Tourism loan

Durable consumer goods loan

other

Personal pledge loan

Divided by interest rate:

Fixed rate loan

floating rate loan

Mixed interest rate loan

According to the loan guarantee method is divided into:

Unsecured/credit loan

Secured loan

Secured loan

loan on mortgage/security

bill discounting

According to the quality (risk degree) of loan assets, it is divided into:

Normal loan

Pay attention to loans

Subprime loans

Suspicious loan

Loss loan

According to the loan existence mode, it is divided into:

Normal loan

Overdue loan (0- 180 days overdue)

Dull loan (overdue 18 1-360 days)

Non-performing loans (overdue over 36 1 day)

Provident fund loan

What is bank loan evaluation?

Bank loan evaluation is because banks need to make loans according to the house value assessed by the assessed company, and generally they will make loans at a discount of 6-20% of the assessed value.

If the appraisal value is 6,543,800 yuan, then the bank loan can be 600,000 to 800,000 yuan. The specific loan amount should be decided by the bank. The bank will decide the preferential margin of the loan according to the credit standing of your bank and the salary flow.

The loan step is to apply for a loan from the bank first, and the evaluation company will go to the scene to see the house. After that, the bank will issue a pre-assessment report, and the bank will conduct an audit according to the pre-assessment report. If it passes, the appraisal company will issue a formal report, and the bank can make the payment in 3 to 5 days. However, when applying for a loan, we often hear that "the score is not enough" and then we are rejected. Next, let's briefly talk about what the bank loan evaluation score means. Everyone can improve themselves according to the evaluation dimension.

Bank loan evaluation score

According to the risk control model of its own platform, bank loans will "portrait" customers who apply for loans, and evaluate them from multiple dimensions and angles, and finally see whether the overall score meets the requirements of passing the audit. The dimensions of evaluation mainly include the following aspects.

Basic identity information: for example, the age will be divided into different stages, and the repayment ability of the representative is different, so the scoring standards of users in different stages will be different. For example, 25 to 29 years old is 8 points, and 30 to 44 years old is 9 points; For example, marital status, unmarried 5 points, married 9 points, married with children 10 points.

Job information: the most important thing is to divide the work units, civil servants/institutions/doctors/teachers and other high-quality work units, and the score is 10. Generally, private enterprises only have 6 points, and self-employed individuals only have 3 points. Of course, there are also differences in working years and positions.

Asset information: Take the real estate as an example, the fully owned property is 6 points, the mortgaged property is 10 points, the self-built property is 4 points, and the leased property is 0 points. It also includes the distinction between inherent assets and deposits.

Debt ratio: the debt ratio is 0- 10%, with a score of 9 points; 10%-20%, with a score of 8. The annual household income below 50,000 is 0; 60,000 to 90,000 is 1.

How do banks evaluate personal property? What does the real estate appraisal include?

Now everyone is unified in buying a house, usually through bank loans, but the bank can't give you loans for nothing, and it doesn't mean that the applicant can give you as many loans as he wants. Everything has rules. When you apply for a house loan from the bank, the bank will take back the property certificate and check the amount according to the property you want to buy.

Now everyone is unified in buying a house, usually through bank loans, but the bank can't give you loans for nothing, and it doesn't mean that the applicant can give you as many loans as he wants. Everything has rules. When you apply for a house loan from the bank, the bank will take back the property certificate and check the amount according to the property you want to buy. How do banks evaluate personal property? What does the real estate appraisal include?

How do banks evaluate personal property?

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 does the real estate appraisal include?

1, the depreciation degree of the building.

The so-called depreciation degree of buildings refers to buildings that are worn out due to time. Its wear and tear can be divided into tangible and intangible, and depreciation can also be divided into material, functional and economic.

2. Benchmark land price

Benchmark land price refers to dividing land price sections in a certain city according to the principles of similar use, similar land price and connected lots, and then evaluating the average price of each price section.

3. Demarcate land price

Delimitation of land price refers to the evaluation of land price levels in different places and different uses under certain conditions.

4. Land premium

If we want to change the purpose of the original land use regulations of the government, increase the plot ratio or renew the land use right, then we must pay the land price to the government.

5. Capitalization rate

Capitalization rate refers to the ratio of its price, which is actually a ratio of capital, such as interest rate, profit rate, return rate and so on.

That's how banks evaluate personal property. What does the real estate appraisal include? Bank loans are not that easy. When granting loans, banks will evaluate the market value of buyers' properties. The specific evaluation method is the above situation, which will generally include the above content when evaluating the property.

How do banks evaluate their lending capacity?

Different banks evaluate loan applicants in slightly different ways, but they mainly review the repayment ability and willingness of lenders. General banks will focus on the work certificate, bank flow, salary income, credit report, fixed assets, liabilities, data authenticity, education and so on. Banks generally have an evaluation system, and finally decide whether to pass the loan application according to the evaluation results.

Qualitative analysis and quantitative analysis. Analysts should obtain information from qualitative factors and quantitative statistics according to the characteristics of the assessed object to ensure a correct judgment on its credit level.

This is because each enterprise as the evaluation object has different characteristics. If we only use specific financial indicators or mathematical models for mechanical quantitative rating analysis, it will be biased. Only by combining qualitative analysis can the evaluation result be more scientific, comprehensive and accurate.

Generally speaking, the higher the credit rating of the assessed object, the better the numerical value of its quantitative statistics, but as far as a single enterprise is concerned, the level may not be fully explained by indicators alone.

Comprehensive analysis and individual analysis. Although credit evaluation is a comprehensive evaluation behavior, a single index is not enough to explain the credit status of the evaluation object, but this does not mean that a single evaluation is not important in credit evaluation, on the contrary, the correctness of each single evaluation is the basis of the final rating.

Comprehensive analysis is only based on the correct individual evaluation, weighing the weight, analyzing the trend, and making the final judgment through qualitative and quantitative analysis.

Extended data

The bank will comprehensively consider the borrower's monthly repayment amount and annual income daily account, and then evaluate your loan amount, requiring the borrower's monthly debt expenditure and income debt repayment ratio not to exceed 50%. However, if this ratio is at a critical point, it should be treated specifically and cannot be generalized.

Where loans, bill acceptance, letters of credit, guarantees, etc. are obtained. Whoever swindles the funds of a bank or other financial institution and causes heavy losses to the bank or other financial institution or has other serious circumstances shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined.

Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.