When dealing with second-hand housing, the seller of the house needs to be a real estate assessment if he wants to sell it at a good price. If property buyers need loans, banks will also entrust relevant institutions to evaluate the houses. Then, how to calculate the 20 18 second-hand housing loan evaluation fee? Let's get to know each other.
1.20 18 appraisal fee for second-hand housing loans
1, free evaluation of second-hand houses
At present, in addition to professional real estate appraisal agencies, there are increasingly mature online second-hand housing appraisal methods. At present, many large domestic real estate websites and comprehensive websites with real estate channels have begun to provide consumers with free second-hand housing evaluation services. However, I need to remind you that if you just want to know how much your house is worth or how much you can sell, you might as well try this evaluation method. If you want to go to the bank to make a real estate mortgage loan, the bank does not recognize this evaluation method at present, because the free real estate assessment results provided by the website have no legal effect.
2. Second-hand housing payment evaluation
Real estate assessment plays a very important role in the process of second-hand housing transactions. Buying a house loan, selling a house, and looking for an intermediary to sell a house all require an evaluation report issued by a real estate assessment institution with professional qualifications. Especially when handling the second-hand housing mortgage loan, the bank will definitely appoint a real estate appraisal agency to evaluate the mortgaged property, and the loan will be issued to the lender after the evaluation report comes out.
Second, how to charge for second-hand housing evaluation
Second-hand housing appraisal fees generally adopt progressive charging rate standards. If the total house price is less than 6,543.8+0,000 yuan (inclusive), the appraisal fee shall be calculated at 0.42% of the total house price. If the total house price is 6,543.8+0,000 yuan but less than 5,000,000 yuan (inclusive), the appraisal fee shall be charged at 0.3% of the total house price. If the total real estate price is more than 5 million yuan and less than 20 million yuan (inclusive), the appraisal fee will be charged at 0. 12% of the total real estate price. If the total real estate price is more than 20 million yuan and less than 50 million yuan (inclusive), the charging standard of the appraisal fee is 0.06% of the total real estate price. If the total house price is more than 50 million yuan, the appraisal fee shall be calculated at the rate of 0.0/kloc-0.2% of the total house price.
3. What is the basis of the second-hand housing appraisal fee?
1, age of second-hand house
The old and new degree of second-hand houses and the length of service life of houses can give buyers the most intuitive feeling and affect the price of houses for sale. The house is a bulk consumable, and it has entered the depreciation period since it was built. Therefore, when I am in real estate assessment, I will definitely calculate the depreciation expense of the house.
2. Second-hand housing units
Second-hand housing huxing is also an important factor to determine whether the house is good or not. At present, 2-bedroom and 3-hall houses are the best to sell in the real estate market, and the evaluation cost is also high. On the other hand, if the house area is too large or too small, it is not accepted and liked by the mainstream people, so the evaluation cost is low.
3. The floor of the house
The floor of the transaction property is also one of the factors that affect the house price. For high-rise buildings, the middle floor is relatively expensive. If there is an outdoor garden on the ground floor or the top floor, it can also indirectly raise the house price.
4. Location of real estate
The location of real estate is one of the most important factors that determine the house price. Conceptual houses such as subway houses and school districts are in short supply, so the cost of real estate assessment naturally rises.
Abstract: The above is the answer to the question about "20 18 second-hand housing loan evaluation fee", hoping to bring help to friends in need. If it is only for the evaluation of second-hand housing loans, it is good to directly find the loan bank and evaluate it according to the professional evaluation agency designated by them.
How to calculate the appraisal fee for second-hand housing loans?
Buying a second-hand house by mortgage loan will involve evaluation fee, mortgage registration fee, contract notarization fee, guarantee service fee and so on. Then, how to calculate the second-hand housing loan evaluation fee? How to transfer the mortgaged second-hand house? Let's take a look with Bian Xiao.
First, how to calculate the appraisal fee for second-hand housing loans?
1. If the house price is less than one million, including one million, it will be charged at 0.42% of the total appraisal price. From one million to five million, including five million, the progressive billing rate is 0.3%.
0. 12% of the total evaluation price will be charged from 25 million to 20 million. 20 million to 50 million, including 50 million, accounting for 0.06% of the total appraisal price. 0.0 12% of the total evaluation price will be charged if it exceeds 50 million yuan.
Second, how to transfer the mortgaged second-hand house
1. There are two ways to mortgage second-hand houses. The first is that the buyer pays off the loan in one lump sum and terminates the loan contract. Then go through the mortgage cancellation procedures, so that there are no other rights obstacles in the house. Finally, the second-hand housing owners and buyers handle the transfer procedures. However, there are certain risks in this way, and buyers need to be cautious.
2. Another way is to refinance the mortgage loan to buy a second-hand house, that is, the property buyers can apply to the bank for mortgage to buy a house, so that they can refinance the mortgage to the seller's original mortgage bank or other banks. After the two parties sign the contract, the buyers submit relevant materials to the bank and apply for remortgage. Finally, both parties go through the formalities of loan repayment and transfer.
3. Both parties and the authorized person of * * * fill in the application approval form, and then the buyer and the seller sign the creditor's rights transfer agreement. The buyer needs to have full capacity for civil conduct, proof of income, legal identity card, and repayment ability and willingness. The monthly income needs to be three times that of the monthly payment.
Editor's summary: how to calculate the evaluation fee for second-hand housing loans? How to transfer the second-hand house with mortgage? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.
Latest regulations on second-hand housing loans
Legal analysis: the latest regulation of second-hand housing loan: 1, the maximum amount of second-hand housing loan can not exceed 70% of the appraised price of the mortgaged house, that is, the lower of its confirmation price and transaction price; 2. The second-hand housing loan is determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of the purchased house and other factors. The borrower has good credit, a stable occupation and income, a house purchase contract, a permanent residence in the town or a valid residence status, can pay the down payment of not less than 50% of the defense evaluation price after the full purchase price, and agrees to use the purchased house or the assets recognized by the loan bank as collateral.
Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
What is the maximum loan for buying a second-hand house?
The loan to buy a second-hand house can be 70% of the appraisal price (this appraisal price is issued by a real estate appraisal company recognized by the bank). The loan amount of second-hand housing is calculated according to the evaluation price, which is lower than the transaction price, so the down payment of second-hand housing should take into account the difference between the transaction price and the evaluation price. For example, for a house with a market price of 6.5438+00000, the appraisal price is 900000, so you can borrow 70% of 900000, that is, 630000, and the rest is the down payment, that is, 370000 (the down payment ratio is different from 30% of the first-hand house purchase). The higher the evaluation price, the higher the loan amount and the lower the down payment; Conversely, the lower the evaluation price, the lower the loan amount and the higher the down payment. The above prices are all from the internet and are for reference only.
How to calculate the second-hand housing loan
Question 1: How to buy a second-hand house and how to apply for a second-hand house loan?
Answer: (1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; (2) Eligible buyers apply for loans from loan banks and provide relevant certification materials; ⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal; (4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions; 5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan; [6] The buyer and the seller handle the transfer of property rights. After the transfer, the borrower goes to the bank to handle the loan procedures; (7) The purchaser signs a second-hand house mortgage loan contract with the loan bank; (8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; (9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.
Question 2: How to calculate the house loan? The total amount of expert consultation is 687,500 yuan. If your minimum down payment is 30%, the down payment should be 206,250, and the total loan amount is 48 1.250 yuan. The down payment is 206,2501250 = 207,500 yuan. The total loan amount is 480,000 yuan only.
If the benchmark interest rate of bank loans is 6.55%
10 years, monthly payment of more than 5460. Interest is 655500 yuan, and interest 175500 yuan.
15 years, the monthly payment is about 4,200 yuan, with interest of 755,000 yuan and interest of 275,000 yuan.
If the loan interest rate can be 15% off. 5.22% interest rate
The monthly payment of 10 is about 5 150, with interest of 6 17000 and interest of 137000.
15 the monthly payment is about 3,850 yuan, with interest of about 690,000 yuan and interest of about 210.3 million yuan.
The discount of interest rate depends on whether there is a discount on the loan.
The monthly payment depends on your repayment ability and down payment ratio.
Generally speaking, the more down payment, the shorter the loan term, the less interest you pay and the lower the monthly payment.
The lower the down payment, the longer the loan term, and the more interest you have to pay, but the monthly payment will not be much.
Question 3: How to calculate the down payment for second-hand housing loans? Calculation method: net down payment = actual transaction price-customer loan amount (net down payment: down payment excluding national tax and intermediary service commission)
Second-hand housing loan down payment:
1. Seller factor
1) Purchase the house in full or pay off the bank mortgage.
If the buyer does not have much money, but the credit status is good, generally only 20% down payment is needed as the down payment of second-hand housing loans.
2) The mortgage has not been paid off, and the buyers are required to cooperate with the repayment.
According to the credit status of buyers, the general down payment is 30%. In addition, it is suggested to take the fund supervision procedure to avoid losses due to some reasons.
2. Buyer's factor
1) There are sufficient funds to pay the house price in one lump sum.
Of course, this situation does not involve the down payment.
2) The buyer is short of funds and needs a loan. This depends on whether there is real estate under the name of the purchaser. How many properties are there?
(1) If there is no house under its name, or there is no property with outstanding loan, then the second-hand house purchased is the first suite, subject to the appraisal price, not the market price. If some cities have introduced policies to restrict purchases and loans, the local policies shall prevail.
(2) There is still a set of property under the name that has not paid off the loan, so the second-hand house purchased is the second suite. Apply for a loan, the down payment ratio shall not be less than 30%. The corresponding loan interest rate will also rise.
(3) If there are two properties under the name of the purchaser and they are all repaying normally, you can't apply for a loan to buy a second-hand house.
3. The second-hand housing factor
If the purchased second-hand houses are poorly located and older, some banks will also increase the down payment ratio and loan interest rate.
Question 4: How to calculate the second-hand housing mortgage loan? The second-hand housing loan is based on the appraised price of the house, and banks with different appraised prices may have differences. Search the mortgage calculator directly on Baidu, and you can help you calculate the monthly payment as long as you enter the loan amount and the number of years.
Question 5: How do second-hand housing loan owners calculate the down payment ratio of second-hand housing loans?
1. If the last one has paid off the mortgage or does not need the buyers to share the loan, and the buyers are very talented and can get 80% of the second-hand housing loan, then only 20% of the second-hand housing loan down payment is required.
2. If the last one has not paid off the loan and requires the buyers to cooperate with the loan repayment, then it is safer to go through the fund supervision procedures and then make a down payment of 30% of the second-hand housing loan.
3. If the buyer has sufficient funds and can pay the house price in one lump sum, there is no need to pay the down payment for the second-hand house loan.
Calculation method of down payment for second-hand housing mortgage loan;
Net down payment = actual sales price-customer loan amount (net down payment: excluding state taxes and intermediary service commission)
Loan amount = 80% of the appraised price of the second-hand house (the first loan amount can reach 80%).
The loan amount budget method can be used to estimate the approximate evaluation quotation at 85% of the contract price.
If it is the first time to buy a second-hand house, the second-hand house mortgage loan should be at least 30% down payment, and 70% can be loaned; If it is a second-time house purchase, the down payment of the second-hand house mortgage loan shall not be less than 70%; The interest rate is 6.55%.
Note: customers and owners can negotiate when to pay the down payment for the sale of second-hand houses, but they must pay taxes before the transfer. Usually, the house purchase deposit of 10% is paid when signing the contract (if the buyer does not buy it, the owner will not refund it; If the owner doesn't sell it, it needs to be returned to the buyer twice); The rest can be recorded at the agreed time, such as the down payment balance before the final tax payment within one week, half a month or one month.
Delivery time of second-hand house:
The time required for full purchase and loan purchase is different, as follows:
First, the full purchase, about 7 days.
1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.
2. Down payment for house transfer: 1 day.
3. Pay taxes and get a new real estate license: 4 working days.
4. Final payment of property delivery and payment: 1 day.
Two. Buying a house by loan takes about 20 working days.
1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.
2. Submit the loan application and sign the loan contract: 1 working day.
3. Property appraisal and third-party guarantee: 1-2 working days.
4. Bank approval: 5 working days.
5. Down payment for house transfer: 1 working day.
6. Pay taxes and get a new real estate license: 4 working days.
7. It takes 2 working days for the bank to receive the loan contract and mortgage registration.
8. Bank loan to the seller, property delivery and final payment: 2-5 working days.
Question 6: How to calculate the down payment of second-hand housing mortgage loan? According to commercial loans and provident fund loans, the calculation criteria for loans are as follows:
(a) the buyer's commercial loan to buy a house:
1. The buyer chooses a commercial loan to purchase the first house, with the minimum down payment ratio of 30% of the appraised house price and the maximum loan ratio of 70%;
2. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 50% of the appraised house price and the maximum loan ratio of 50%;
3. If the buyer chooses a commercial loan to purchase a commercial house, the minimum down payment ratio is 50% of the appraised house price, and the maximum loan ratio is 50%;
(II) Purchase of house by the buyer's provident fund loan:
1. The buyer chooses provident fund loan to purchase the first house, with the minimum down payment ratio of 20% of the appraised house price and the maximum loan ratio of 80%;
2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;
3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.
Question 7: How to calculate the transfer fee of second-hand housing loan? Taxes and fees payable by buyers in second-hand housing transactions include: 1. Deed tax: 1.5% of the house price (3% for areas above 144 square meters and1%for areas below 90 square meters); 2. Stamp duty: 0.05% of the house price; 3. Transaction cost: 3 yuan/m2; 4. Surveying and mapping fees: by region. The taxes payable by the seller include: 1. Stamp duty: 0.05% of the house price; 2. Transaction cost: 3 yuan/m2; 3. Business tax: 5.5% difference (if the real estate license is less than 5 years); 4. Personal income tax: 20% of the profit of real estate transaction or 1% of the house price (the real estate license is more than 5 years and the only house is exempt). Take a house with a total value of 400,000 as an example, the transfer fee is nearly 30,000. Among them, the buyer needs to bear a large cost of deed tax; Other expenses shall be borne by the seller, but generally the seller will agree to be paid by the buyer.
Question 8: How is the commercial loan amount for purchasing second-hand houses calculated? If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The maximum loan/credit line shall not exceed 70% of the mortgaged value of the purchased property, and must comply with the relevant regulations of the regulatory authorities and banks. If the policy of the regulatory authorities is adjusted, it shall be implemented in accordance with the relevant regulations of banks and regulatory authorities. The mortgage value shall be determined according to the principle that the present value of the mortgaged property is lower than the transaction price.
For specific information about the corresponding amount of the loan, you can also confirm it in detail through the counter personal loan department when applying through the counter personal loan department.
Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.
Question 9: Buying a second-hand house loan. How to calculate one according to the flat valuation? The appraisal price is based on the market comparison method of real estate appraisal, and the average unit price of a specific real estate is converted through professional treatment of the listed price of the house for sale in the same real estate and the actual transaction price of the same type of real estate.
Second, a set of old house value geometry cannot be "roughly estimated" by experienced appraisers, and there must be a set of calculation and operation methods. The "market comparison method" is mainly adopted, and three sets of comparable properties that meet the following requirements are usually selected: similar to the location of the house to be evaluated, similar in transaction time, same in property rights, same in apartment type, similar in building age, same in structure, same in ownership and similar in value. Taking the transaction price of these three houses as the comparison object, plus several correction coefficients, the final arithmetic average is the appraisal price of the entrusted appraisal house.
Third, when signing online, the transaction amount can be used as the online signing price according to the evaluation price, which can save some tax money. For example, if the actual transaction price is 6.5438+0 million and the evaluation price is 900,000, 900,000 can be used as the online signing price.
Question 10: How to calculate the down payment of the house loan? The average price of the house is 4000, and the total price of the house is 440 thousand.
To calculate the down payment, we must first calculate the loan amount, with a down payment of 30% and a loan of 70%.
The loan amount is calculated according to the regional guidance price (the lowest transfer price stipulated by the Construction Committee), which is generally lower than the transaction price 10%.
4000-(4000X 10%)=3600 (regional guide price)
3600X 1 10 square meter =396000 yuan.
396000 x 70% = 27720 yuan (this is your loan amount).
440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.
Your down payment is 6.5438+0.6 million.
The monthly payment is calculated like this.
Loan amount x loan term x interest rate = monthly payment
277200X20X7.05=39085200
Monthly payment for 400 yuan.
As long as you are an adult, you can apply for a loan. You don't need to work or start a business. Bank mortgage and buying a house are basically random loans!