When many home buyers apply for commercial loans for second-hand houses, they are often required to pay an appraisal fee that can easily cost several thousand yuan. Should this money be borne by the homebuyer?
What is second-hand house evaluation?
The second-hand house appraisal price refers to the market comparison method of real estate price evaluation. Through professional processing of the listing prices of the houses for sale in the same real estate and the actual transaction prices of the same type of real estate, the specific price is calculated. The average unit price of a certain property. Then combined with the actual situation of the house to be evaluated, including area, floor, orientation, decoration status, other characteristic factors, etc., a relatively scientific and reasonable market reference price of the house is calculated.
How much does it cost to evaluate a second-hand house?
Second-hand house evaluation is divided into two methods: "free evaluation" and "paid evaluation".
Free appraisal: At present, in addition to professionally qualified real estate appraisal companies, there is also a new type of online second-hand house appraisal that has also become mature. Several large domestic real estate websites, or comprehensive websites with real estate channels, have begun to provide consumers with free second-hand house appraisal services, among which Soufan Appraisal Network is the most eye-catching.
Paid appraisal: Property appraisal is an important part of the second-hand housing transaction process. Now, when you get a loan for buying a house, transfer a property when selling a house, find an agent, or go to a bank, they will all tell you that the house needs to be appraised. For example, if a home buyer needs to apply for a mortgage loan, the bank must provide the loan to the home buyer based on the evaluation report of the appraisal agency. The appraisal of a mortgage loan requires a professionally qualified appraisal agency.
The charging standards are different and "just going through the motions"
The so-called "property appraisal fee" refers to the bank's assessment of the value of the home buyer's mortgage when reviewing the loan, in order to control the loan risk , usually performed by a third-party agency.
Most banks regard property appraisal as a prerequisite for a loan, and require the loan applicant to bear the appraisal fee, which is charged by the appraisal company. The fee ranges from 1‰ to 5‰ of the house price.
According to the real estate appraisal regulations of the Ministry of Housing and Urban-Rural Development, registered real estate appraisers must go to the site of the appraisal object, inspect the condition of the appraisal object on the spot, and take photos and records on the spot. However, many home buyers report that the so-called appraisal is just a "going through the motions" of paying for a report.
Whose pocket did the money go into?
In January this year, the National Development and Reform Commission liberalized the prices of seven services, including real estate price assessment, requiring strict compliance with laws and regulations such as the Anti-Monopoly Law, and prohibiting restrictions on services, designated services, or withholding pricing rights for any reason. .
The investigation found that although banks state that charging is carried out by third-party agencies, most banks have designated cooperative evaluation agencies, and consumers can "randomly" select among three to five cooperative agencies. The bank's appointment of an evaluation agency clearly deprives consumers of their right to free choice under the Consumer Rights Protection Act.
Some banking industry insiders revealed that there are benefit rebates between some banks and evaluation agencies, and the rebate ratio can even reach half. The relevant benefits are then distributed among the internal branches of the bank and between branches and account managers. .
Even though some banks no longer require home buyers to bear appraisal fees, real estate agencies and appraisal agencies still use information asymmetry to "attack" home buyers.
Should the consumer bear the responsibility?
In 2006, the "Notice on Regulating Issues Related to the Management of Real Estate Mortgage Valuation Related to Bank Credit Business" was issued, stipulating that "real estate mortgage valuation is in principle entrusted by commercial banks, but commercial banks and borrowers shall If there is an agreement, the appraisal fee shall be borne by the client."
Legal professionals believe that evaluation is a means of internal risk control for banks. According to the principle of who pays, commercial banks should bear the cost of second-hand house evaluation. However, some banks and intermediaries require home buyers to bear the cost, which is an abuse of power. Suspicion of seeking improper benefits due to status. "The bank requires customers to foot the bill for internal risk control, which exposes the lack of supervision by relevant departments." said a banking industry insider.
(The above answer was published on 2015-12-13, please refer to the actual relevant current home purchase policies)
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