How much is the bank refund evaluation fee?

The bank's evaluation fee is that the bank must evaluate your collateral when making a mortgage loan. The appraisal company belongs to a third-party organization and is a qualified appraisal company designated by the bank. The appraisal company will charge an appraisal fee for the appraisal of your collateral, and the bank will see how much you can borrow according to the appraisal value. If the loan is unsuccessful, the appraisal fee will be refunded to you.

1. The loan appraisal fee is the house appraisal fee charged for the sale of second-hand houses. When our house is mortgaged, it will be appraised. This means that the appraisal company will go to the borrower to evaluate the value of the house on the spot so that the bank can determine the loan amount.

2. The loan appraisal fee must be paid, because we borrow from banks, but the appraisal company is not a bank, but a private enterprise, so there is an extra charge. The report issued by the evaluation company that passed the shortlist of the bank is recognized by the bank. Because if the house to be mortgaged is not a newly developed house, then the market price needs to be determined by the appraisal company, and the bank will also use this to determine the loan amount.

3. Bank loan evaluation score

According to the risk control model of its own platform, bank loans will "portrait" customers who apply for loans, and evaluate them from multiple dimensions and angles, and finally see whether the overall score meets the requirements of passing the audit. The dimensions of evaluation mainly include the following aspects.

(1) Basic identity information: For example, the age will be divided into different stages, and the repayment ability of the representative is different, so the scoring standards of users in different stages will be different. For example, 25 to 29 years old is 8 points, and 30 to 44 years old is 9 points; For example, marital status, unmarried 5 points, married 9 points, married with children 10 points.

(2) Work information: The most important thing is to divide the work units, civil servants/institutions/doctors/teachers and other high-quality work units, and the score is 10, while the average private enterprise only has 6 points and the self-employed individual has 3 points. Of course, there are also differences in working years and positions.

(3) Asset information: Take the real estate as an example, the fully owned property is 6 points, the mortgaged property is 10 points, the self-built property is 4 points, and the leased property is 0 points. It also includes the distinction between inherent assets and deposits.