A mortgage assessment
Legal subjective: a. oneself with the property license to the bank mortgage assessment? oneself with the property license to the bank mortgage also need to assess. Real estate certificate (house mortgage bank loan in the real estate certificate, land certificate is required to give the bank mortgage) rights of the person and spouse of the ID card rights of the person and spouse of the account book rights of the person's marriage certificate (marriage certificate or civil affairs bureau issued by the unmarried certificate) proof of income (this proof of the success of the house mortgage bank loan loan situation as well as, the highest amount of a relatively large impact.) If the right person of the property certificate has a minor child, please provide a birth certificate, such as property and bank loans, please provide the original loan contract and the last phase of the bank statement in order to improve the rate of house mortgage loans, please try to provide the family of other property certificates, (such as another property certificates, stocks, funds, cash passbook, vehicle license, etc.) Second, how much real estate appraisal fees, the current appraisal fee charges to take Progressive billing rate: the total price of the house below 1 million yuan (including 1 million yuan), charge 0.42% of the total appraisal price; 1 million yuan to 5 million yuan (including 5 million yuan) progressive billing rate of 0.3%; 5 million yuan to 20 million yuan to charge 0.12% of the total appraisal price; 2, 20 million yuan to 50 million yuan (including 50 million yuan) to charge the total appraisal price of 0.06%; more than 50 million yuan to charge 0.012% of the total appraisal price. 3, real estate appraisal is an important part of the process of second-hand housing transactions. Now, buying a home loan, selling a home transfer, looking for an agent, into the bank, will require the house needs to be evaluated. For example, home buyers need to apply for a mortgage loan, the bank has to be based on the assessment report of the assessment organization, in order to issue a loan to the home buyer. The appraisal of the mortgage loan needs to be carried out by an appraisal organization with professional qualifications. Third, the housing assessment standards 1, look at the age of the house old and new, directly related to the buyers like it or not, and the house since the construction is completed, it entered the depreciation period. In the sale of second-hand houses, be sure to calculate the depreciation of the house, brick structure houses depreciation period of 50 years. 2, look at the type of the market by the majority of consumers like the type of regular sets of two, sets of three, etc., such a type of house type directly to make the house price high, and vice versa, the shape of the shape is not standardized heterogeneous type of house type, or set of too small, too large type of house type, etc., will make the house price lower. 3, look at the floor floor of a good or bad, too! Directly affect the price of housing in the middle part of the best selling houses, if the ground floor with outdoor gardens, or the top floor with a roof garden, the price may be higher. 4, look at the north-south orientation of the house is the most favorite, east-west orientation and other orientation, due to the indoor ventilation, lighting performance is not very good, etc. 5, look at the decoration of the renovation time of less than 5 years of the house, the price will generally be higher than the clear water houses. About 2,000 yuan, if the decoration quality is high, color and good, it is necessary to increase; if the renovation time of more than 5 years or just simple decoration, when the cost is not very costly, increase the proportion of discretionary reduction. 6, look at the property management of property management district is mainly reflected in the new repair of the commercial housing development, the building years in 1995 or so or the unit of the dormitory area are not formal property management, generally no property management district is relatively reduced. Property management of the district is to relatively reduce the cost. 7, look at the location of the house on the street will reduce the selling price of the house, and is located in a good living environment quiet houses, its price will be high. 8, look at the supporting Consumers in the purchase of second-hand housing, will focus on the housing surrounding the traffic situation, health care, education, shopping and catering and other supporting infrastructure. Usually, if part of the facilities around the house is not fully equipped or missing, it will be reduced by the corresponding proportion.9, look at the neighborhood housing facilities are perfect or not, especially important for home. In the same location, the community environment of the second-hand houses will be inferior to the new residential areas, according to the layout of the community plan, facilities, greening, sports facilities equipped with and the appearance of the house shape, then the need to reduce.
Legal objective: the scope of application of the mortgage 1, must be approved by the administration of industry and commerce registration, and in accordance with the provisions of the tax registration and annual inspection procedures of enterprises and institutions; 2, the product has a market, the production and operation of the benefits, do not squeeze the misappropriation of credit funds, scrupulous adherence to the credit; 3, there is the ability to repay the principal and interest on time, the original payable loan principal and interest and maturity of the loan has been liquidated; not liquidated, has made the Banks recognized repayment plan; approved by the "Bank Enterprise Credit Rating Standards", in principle, the credit rating must be A (inclusive) or above; 4, has opened a basic account or general deposit account in the bank; 5, in addition to the provisions of the State Council, limited liability companies and joint-stock companies, the cumulative amount of foreign equity investment has not exceeded 50% of the total net assets; 6, the borrower's operating and financial systems are sound The main economic and financial indicators meet the requirements of the bank; 7. Projects applying for medium- and long-term loans must be approved by the competent state departments, and the ratio of the ownership interests of the legal person of the enterprise of the newly built project to the total investment of the project is not less than the ratio of the capital of the investment project as stipulated by the state. The property pledged as collateral must comply with the relevant provisions of the Guarantee Law of the People's Republic of China*** and the State of China, and the mortgagor must enjoy the right of ownership or disposal of the collateral in accordance with the law and expressly indicate to the bank that he is willing to provide security for the debtor with the collateral. If the mortgage is on real estate, the maximum mortgage rate shall not exceed 70%; if the mortgage is on means of transportation, general-purpose machinery, equipment and tools, the maximum mortgage rate shall not exceed 60%; if the mortgage is on special-purpose machinery, equipment and tools, intangible assets (including land-use rights) and other property, the maximum mortgage rate shall not exceed 50%.
Two, mortgage housing how to assess
Currently a bank loan, generally need to designate a few assessment companies, these companies are recognized by the bank, and not every assessment of the company's assessment report is useful. And not you want to assess the high assessment of high, such as according to your words, you value 10 of the house, if you want to assess the high assessment of high, you assessed a 10 million out, you think the bank will be based on this assessment report to give you a loan?
Of course, the value of 100,000, can be evaluated 90,000, evaluation of 11 million is not impossible, depending on your find the right person. The reason for this is that it costs money to do the evaluation, so you'd better go to the bank to consult with the bank's business manager to give you a number of estimates to see how much the loan in the end, and then let him tell you should look for which evaluation company. The fact that the mystery I will not all finished, haha, according to do is
Three, home mortgage evaluation cost is how much?
The price of the appraisal fee is based on the amount of your loan
The appraised value of the house is less than 2 million 400 yuan, 2 million-5 million 600, and then higher according to the actual situation of the additional charges,
2 million but in the suburbs of 600
Commercial housing in accordance with the actual appraisal of the value of the charge
The actual appraisal of the value of the three-thousandths of the
The appraisal fee is based on the value of the house.
Four, mortgage housing assessment must be home
Legal analysis: Yes, the real estate assessment needs to be home assessment is the home buyer to seek financial support, the value of their own mortgaged homes and the assessment.
Legal basis: "Chinese People's *** and National Code"
Article 667 of the loan contract is the borrower to the lender to borrow money, due to return the loan and pay interest on the contract.
Article 680 prohibits lending at exorbitant interest, and the interest rate on the borrowed money shall not violate the relevant state regulations. Borrowing contract on the payment of interest is not agreed, is deemed to be no interest. Loan contract on the payment of interest is not agreed, in accordance with the local or the parties to the interest rate and other factors to determine the interest rate; natural persons borrowing money from each other, is deemed to have no interest.