Who should bear the cost of loan evaluation and how to charge for loan evaluation?

How to charge the evaluation fee when the bank loans?

The appraisal fee is one thousandth of the appraisal amount, which is relatively small. Our industry regulations here are five thousandths, and only three thousandths if we cooperate with banks.

Banks must use the evaluation report issued by the evaluation company to go to the provincial bank for approval before lending. Especially the second-hand house, if it is a new house, there is no need to evaluate it.

Mortgage guarantee fee means that in order to avoid mortgage risks, banks generally need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity.

If you can find friends or relatives who are willing to provide you with guarantees and have financial strength, then they can issue written documents and credit certificates for the bank.

If you can't, you need to go to a professional guarantee company, and they will provide you with a guarantee and pay the fees at this time.

Extended data:

Real estate appraisal generally many people choose free appraisal: at present, in addition to professional real estate appraisal companies, there is a new type of online second-hand housing appraisal has matured.

Several major domestic real estate websites, or comprehensive websites with real estate channels, have begun to provide consumers with free second-hand housing appraisal services. However, it is worth noting that the evaluation results provided by these networks now have no legal effect, that is to say, banks will not issue mortgage loans to buyers based on this evaluation.

Of course, the use of paid evaluation also has many advantages: real estate assessment is an important link in the process of second-hand housing transactions. Now buying a house loan, selling a house, looking for an intermediary and entering a bank will tell you that the house needs to be evaluated.

For example, buyers need to apply for mortgage loans, and banks can only issue loans to buyers according to the evaluation report of the evaluation agency. The assessment of mortgage loan needs an assessment agency with professional qualifications.