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二手房一定要评估吗？一般是有按揭公司来办理吗？费用多少呢？哪家好一点

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二手房一定要评估吗？一般是有按揭公司来办理吗？费用多少呢？哪家好一点

浏览：38次 | 提问时间： 07-28 04:20

二手房一定要评估吗？一般是有按揭公司来办理吗？费用多少呢？

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5个答案

词稀太后 07-28 04:20

当然是肯定的，无论是新房也好还是二手房也好，都是可以办理按揭贷款的。办理二手房按揭贷款事先一定要去房管局查清楚房屋所有权、有无贷款的情况。由于二手房在有贷款的情况下，只能办理转按揭业务。二手房按揭贷款是指个人在购买售房人具有房屋产权证、能在市场上流通交易的住房或商业用房时，自己支付一定比例首付款，其余部分以要购买的房产作为抵押，向合作机构申请的贷款。

明亮 07-28 04:29

:武汉二手房交易增多,不少人想要了解二手房办理按揭的流程和步。现在,请让小编来为您介绍二手房办理按揭的十个流程步骤。

如何开口 07-28 04:37

二手房按揭方法
1.房屋查案费：每证90元，由房管局收取;
2.房屋评估费：评估价×0.5%，由评估公司收取。假如不需要出评估报告，则只收取300元的初评费;
3.按揭代理费：按揭公司直接收到的服务二手房交易费用，标准是贷款额×(1%～1.5%);不同按揭公司执行的标准有差异，较为普遍的是贷款额的1%或1.2%;
4.贷款保险费：贷款额×1.2×0.1%×贷款年限，保险公司收取，二手房按揭贷款的最高年限是20年;

愿我们忘掉旧时光 07-28 04:46

按揭贷款买二手房要交的费用有：按揭贷款买二手房，会涉及到按揭部分的费用，主要包括评估费、抵押登记费、合同公证费、担保服务费。其中，评估费是交评估价的3‰;抵押登记费交贷款金额的1‰+80元(工本费);合同公证费已婚公证300元，未婚公证400元。

拖延症 07-28 04:54

一定要评估的，评估报告是您贷款纳税的依据。
通常是你在那买房子那家公司帮你办理。也可以自己找评估公司办理。
费用500上下，地区不一样收费也不一样！

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