In the process of second-hand housing transactions, property appraisal is a necessary step. Whether you are applying for a loan or paying taxes, it will generally be determined by the assessed property value, unless the contract price is higher. It will be determined based on the contract price. So, what are the types of appraisals performed by home appraisal agencies? What are the current problems in the domestic appraisal industry? Let’s take a brief look at it with the editor.
1. Evaluation types of housing evaluation agencies
1. General evaluation: When there are differences in real estate transactions, the housing evaluation agency makes a reference evaluation, which has no legal effect; 2. Real estate mortgage Loan evaluation: When a property needs to be mortgaged, a housing evaluation agency evaluates the value of the property, which has legal effect; 3. Specific evaluation: When the housing authority has objections to the transaction price, in order to seek justice, it entrusts a housing evaluation agency to conduct an evaluation.
2. Problems in the housing appraisal industry
1. Inability to accurately grasp the scale
According to regulations, the error between the price given by the real estate appraiser and the actual price It cannot exceed 20, otherwise it will be considered a major difference, and such a result is very common in the real estate appraisal industry. This is unfair to home buyers, loan banks, and sellers. Take banks, for example, to evaluate the price Far higher than the actual price of the house, or even higher than the bank loan limit, there is a great risk.
2. The quality of the appraiser team is uneven
For banks, the evaluation quotation is the basis for loan approval, while for the tax department, It is an important basis for determining the amount of fees paid by taxpayers, which shows the importance of appraisers. However, in actual operations, the quality of the appraiser team varies, and some of them cannot grasp the value of the collateral at all. It is very easy for the loan business, The tax department is in embarrassment, so the property appraisal must be done by an institution recognized by the bank.
Editor’s summary: The above-mentioned types of evaluations by housing evaluation agencies and the problems existing in the real estate evaluation industry are introduced here. I hope it will be helpful to you. If you want to know more related information, please pay attention to Qijia.com.