1. In the process of second-hand housing transaction, after the buyer applies for a loan from the bank, the bank will designate an appraisal agency to appraise the house, and the bank will further negotiate with the borrower about the loan according to the appraisal report issued by the appraisal agency.
2. The real estate appraisal fee is basically going with the market now, that is, it will change according to the market. Take an online evaluation platform as an example. General real estate appraisal fees are hundreds to thousands. The appraisal will produce two real estate assessment reports, which are recognized by both banks and the Housing Authority.
What is the basis of housing evaluation?
1. The basis of house evaluation is the location, use, building structure, recency, building area, building area, land use right and other factors that affect the value of the expropriated house.
2. According to Article 4 of the Interim Measures for the Assessment of House Expropriation on State-owned Land in Beijing.
(1) The house expropriation department shall provide the entrusted real estate price appraisal institution with the house information within the scope of expropriation, including the information of registered houses and the identification and treatment results of unregistered houses. The survey results shall be announced to the expropriated person within the scope of house expropriation.
(3) The nature, use and construction area of registered houses are generally subject to the ownership certificate and the records in the register; If the ownership certificate is inconsistent with the record in the register, the register shall prevail unless there is evidence to prove that there is an error in the register. For unregistered buildings, it should be evaluated according to the identification and treatment results of the District People's Government.
3. According to Article 7 of the Interim Measures for the Assessment of the Expropriation of Houses on State-owned Land in Beijing.
The evaluation of the value of the expropriated house should consider the location, use, building structure, old and new degree, building area, land use right and other factors that affect its value.
How much is the house appraisal fee?
1. If the total value of the appraised property is less than 100 or 100 million, the appraisal fee will be charged at 5% of the total value of the property.
2. If the total value of the appraised property is 100-1000000, the part exceeding1000000 will be charged at 2.5% of the total value of the property.
3. If the total value of the appraised property is 1000-20 million, the part exceeding1000 million will be charged at 1.5% of the total value of the property.
4. What's more, if the total value of the appraised real estate is 20-50 million, the part above 20 million will be charged at 0.8% of the total value of the real estate.
5. If the total value of the appraised property is between 50 million and 80 million, the part exceeding 50 million will be charged at 0.4% of the total value of the property.
6. If the total value of the appraised real estate is 80 million-1million, the part exceeding 80 million will be charged at 0.2% of the total value of the real estate.
7. If the total house price to be evaluated is even higher than1million, the part higher than1million will be charged as 0. 1% of the total house price.
There are several methods for housing evaluation.
1, cost method
(1) Cost product algorithm, that is, the method of calculating the total cost of land acquisition or land development, excluding the value affected by abnormal factors, and obtaining the value of land use right by taking a certain amount of capital interest and reasonable investment profit after the accumulation of normal costs and expenses. This method is usually used to evaluate land acquired through normal procedures.
(2) Replacement cost method is a method to calculate the reconstruction cost of existing houses according to normal market standards, then consider the interest of funds and calculate a certain development (or construction profit) to get the complete replacement cost price, then determine the replacement rate of houses according to the actual situation and legal norms, and then multiply the two to get the evaluation value of houses.
2. Market comparison method
Select real estate price cases with the same use and similar other conditions in the market (cases that have been sold or evaluated and have normal quotations) to compare with the conditions of the real estate to be evaluated, quantify all factors through indicators, and obtain the method of real estate value to be evaluated through accurate index comparison and adjustment. This method has a strong practical significance and accuracy, and is mostly used in situations where the market is mature, the transaction is transparent, comparative cases are easy to find, and the valuation results are more accurate.
3. Residual magnetism method
When the total real estate price is known or can be calculated, because the total real estate price = land use right value+real estate value, the land use right value or real estate value can be calculated, and the real estate value or land use right value can be obtained after deducting it from the total value. This method is often used for the single appraisal of houses or land.
4. Income method
Different regions, different uses and different types of real estate yield are also different, and the method to calculate the value of the real estate to be evaluated is the income reduction method. Real estate value = net real estate income/rate of return.
5. Hypothetical development method
For unfinished real estate development projects (pure land or projects under construction, etc.). ), by calculating the market value after normal development, and then deducting the normal investment of the remaining development tasks, the method of real estate value to be estimated is obtained.
6, the benchmark land price method
For the evaluation of the land use right value of a plot, we can refer to the existing benchmark land price of the same level and use, adjust the general factors, regional factors and individual factors, and finally get the method of the land use right value of the appraised object. This method has a certain policy.
7, route price method
The value of land use right has a great relationship with the location of land (frontage: width and depth). For the same piece of land, the value of land is relatively stable. If the average price of the land in this plot is known, the method of obtaining the land value of the appraised object by adjusting the width and depth of the street is the route price method.