What is the evaluation value of the loan to buy a house?

1. How much is the loan to buy a house?

Applying for a loan from a bank with real estate mortgage can only reach 70% of the value of real estate assessment.

Factors to be considered in real estate appraisal.

1, average residential price, listing price and transaction price of similar houses in residential area.

2. Listing price and transaction price of similar houses in surrounding communities.

3. The trend of housing prices in residential areas and plates.

4. Estimate the characteristics of second-hand houses, including room type, floor, decoration, orientation, room age, location in the community, landscape and so on.

Secondly, I would like to ask a question: Is the qualification for approving bank loans particularly strict?

Yes, the general conditions for approving bank loans are very strict. As long as your credit information is not good, your comprehensive qualification will basically fail. If you don't have any assets, the amount of the next payment will not be very high. Conditions required for an individual to borrow from a bank:

1. The applicant must be a natural person with full capacity for civil conduct;

2. Having urban permanent residence or valid residence status requires the borrower to have legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records. Materials required for an individual to borrow from a bank: 1, the borrower's valid ID card and household registration book; 2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. If mortgage loan is needed, proof of the rights of the mortgaged property must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the appraised value of the mortgaged property.

3. What is the appraised value of bank loan?

When paying taxes, the evaluation of buyers and sellers is done for you by a qualified evaluation company. The process is as follows: check the file with the real estate license one day in advance, and prepare the materials and submit them to the window of the Finance Bureau the next day. There is a computer on which several evaluation companies roll. If you stop, the appraisal company will evaluate the house price for you as the basis for paying taxes. Bank loan evaluation is an evaluation company designated by the bank to evaluate its house to determine the loan amount! The appraisal of second-hand housing transactions is divided into two parts: 1, loan appraisal. The 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 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, with a difference of about 500 yuan per square meter. 2 transfer assessment, that is, declaration of taxable value, shall be confirmed by the local taxation bureau according to the declared price and historical transaction data. If the declared price is higher than the historical transaction data level, the declared price is the collection standard; If the declared price is lower than the historical transaction data level, the assessed price shall be subject to the value approved by the local tax bureau. The local taxation bureau will not announce this price, nor can it inquire. Many intermediaries handling cases have this appraisal price.

4. Does he have to go through an intermediary to buy a house and go to the bank to evaluate the loan?

Is he responsible for buying a house through an intermediary and going to the bank to evaluate loans? ? Are there any transactions that go to the bank for loans through intermediaries? Personally, I think that if the intermediary helps through the China transaction and charges a commission (regardless of the payment method of the transaction), you have to sign an entrustment agreement, which is another transaction between you and the intermediary, and you still have to charge a handling fee. In fact, you can go to the bank for a loan yourself. There can be a sales contract and proof of income. Please consult your local bank for details.

In 2002, the landlord offered 620,000 yuan for the house, and the bank appraised 7500 yuan. How much is the down payment for housing provident fund loans? Thank you for your questions.

The monthly payment of provident fund loans cannot exceed half of your salary.

And what house to buy?

What is the area?

30% down payment for the first set and 50% down payment for the second set.

You added it all. I'll do the math for you

Down payment: 750080=60w20%= 12ww.

623%= 1.86W

60W 1%=6000

Talk to yourself.

That's all the expenses.

Hello, the loan to buy a house is generally 0.2%-0.5% of the evaluation price, and the situation varies from place to place.

Hope to adopt, thank you.

Can I buy a house through an intermediary and apply for a loan myself? Theoretically, yes But there are

1. Did the house sales contract you signed restrict your loan?

Are you sure your loan will be large?

3. Know the loan conditions and required documents like the back of your hand?

If the above conditions are met, there is absolutely no problem. If there are omissions, then professional people will do professional things because of this service!

Can I freely choose to do housing evaluation when buying a house through an intermediary? If you are looking for an intermediary, just register the house in their store and tell him how much you want to sell it, so that you will have a reserve price evaluation. If you pay attention to the prices of surrounding houses, of course, there are differences, and the price will definitely be negotiated in the end, so you should have a standard in mind.

Does handling second-hand houses through intermediaries produce results? In Shanghai, ordinary houses do not need an evaluation report, but only a nuclear price list, which is issued on the spot. If you want to evaluate the villa, it is best to evaluate the company by yourself, and the intermediary agencies charge fees.

Through the intermediary to assess the down payment, it is clear that buying a house is to live by yourself.

Second,

Third, take care of your heart, you are in the middle.

Fourth, temporary situations happen from time to time. Don't wait until later to find them.

I bought it. At the time of down payment, the staff said that the situation had been solved before.

What do you need to pay for the provident fund loan to buy a house through an intermediary? If the house is sold through an intermediary, you need to pay the intermediary fee, and then transfer the ownership and repossess the building.

I bought a second-hand house in Kunming 14 1 flat through an intermediary, and I borrowed 500,000 yuan from the bank. The bank charges an appraisal fee of 5000 yuan. Is there such a charge? Yes

This is part of the so-called bank loan fee.

It's just that the intermediary separates it and charges it according to a single project.

Relatively high.