What is the relationship between the evaluation price and the transaction price of buying a second-hand house in Nanjing? Why is it different?

"The transaction price is determined by the market. Whether the final transaction price is high or low is a willingness to fight for money and suffer losses. There is nothing reasonable and unreasonable.

Because you want to borrow money from the bank, the bank needs to consider the risk of paying back the money in the future, so you must evaluate your house, because the market will change at any time, so the bank will evaluate the value of your house in many ways. "#" actually has nothing to do with these two.

The price is different because the bank considers the risks to be borne, so the evaluation price is usually more conservative than the normal transaction price, so the evaluation price is lower than the transaction price. Generally 80%-90% of the market price. The evaluation value of commercial loans can generally reach about 80%-90% of the market price, and the evaluation value of provident fund loans can generally reach about 80%-85% of the market price. As we all know, the biggest risk for banks is that borrowers can't continue to pay loans. In the worst case, banks need to be forced to sell their properties to repay their loans. In terms of the original borrowing cost, future market changes, real estate agency fees, attorney fees and all handling fees generated by banks through auctions will all become the "borrowing risks" of banks. So how can banks minimize the "borrowing risk"? This is the valuation. To put it bluntly, the house is undervalued. Even if the worst happens, the bank can resell the house at a higher market price to bear all the costs.

But the transaction price is negotiated between the buyer and the seller, so the two are definitely different! "#" market price refers to the buying and selling price of a commodity in the open market. In other words, it is the real price that the buyer is willing to sell and the seller is willing to sell.

Valuation is only an evaluation or prediction of the market price of a real estate.

Any prediction will certainly not be absolutely accurate. No matter how professional the appraiser is, he can't completely and accurately judge the market price of the property for sale. Therefore, market price and valuation cannot be confused conceptually. One is objective, and the other is only subjective prediction.

There is little difference between the two and there is no direct relationship, but now the evaluation and evaluation of second-hand housing transactions in Nanjing will refer to the online signing price. "

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!