According to the regulations of the central bank, the amount of loans available when buying a second-hand house should be determined according to the evaluation price. After the purchaser applies for a loan from the bank, the bank will designate an evaluation agency to evaluate the house and get the evaluation value. 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.
For example, Xiao Liu took a fancy to a house with a price of 6.5438 million yuan and applied for a loan from the bank after signing a house purchase contract. This is Liu's budget:
As it is the first suite, we only need to pay 20% down payment, that is, 200,000 yuan, and the remaining 800,000 yuan will be applied by Wanxiang Bank for a commercial loan of 10 years. So, can Serina Liu Jr. get a loan of 800,000 yuan? Actually, not necessarily.
The specific loan amount approved by the bank shall be determined according to the evaluation price. According to the latest mortgage policy, first-time home buyers can borrow 70% of the total house price. If the assessment is 800,000, the amount of small loans is: 90×70%=63 (ten thousand), not 800,000. There is also a price difference of 1.7 million, which needs Xiao Liu to prepare in advance.
So, what are the factors that affect the housing appraisal price?
In addition to the valuation of the house itself, we will also consider factors such as risk, building depreciation, borrower's income, etc., and finally get the evaluation price of the house.
For the majority of second-hand housing buyers, in addition to the down payment and transaction tax, we should also prepare the difference between the expected loan amount and the actual loan amount to avoid the situation of insufficient down payment after signing the contract.
(The above answers were published on 20 16-06- 17. Please refer to the actual situation for the current purchase policy. )
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