A house can have multiple witnesses. As for whether the land value can be included in the remaining five floors in the evaluation, it needs to be discussed with the evaluation agency.

2. What are the latest regulations on the mortgage ratio of projects under construction?

The answer is: according to the latest regulations, the mortgage ratio of projects under construction should not exceed 50%. Because according to the credit management regulations and related requirements of commercial banks, the loan funds of mortgage loans for projects under construction are mainly used for projects under construction. Mortgage value of construction in progress = value of construction in progress-legal priority payment. Therefore, the mortgage ratio of projects under construction does not exceed 50%.

Third, the usual practice of mortgage loans for projects under construction is to determine the loan amount at one time, and register the mortgage of housing options at one time for contracted projects, according to the agreed loan value ratio. ...

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Four, the provisions of the project payment guarantee ratio

The proportion is generally 5%-25%. Construction project quality deposit (warranty deposit) (hereinafter referred to as deposit) refers to the funds agreed by the employer and the contractor in the construction project contract, which are reserved from the project payment payable to ensure the contractor to repair the defects of the construction project during the defect liability period. The so-called defect refers to the fact that the quality of the construction project does not meet the mandatory standards, design documents and contract stipulations. The defect liability period is generally 6 months, 12 months or 24 months, which can be specified by both parties in the contract. For all or part of the construction projects invested by the government, the deposit shall be reserved according to the proportion of about 5% of the total project settlement price. If the social investment project adopts the method of reserved deposit, the proportion of reserved deposit can be implemented with reference. The payment of the deposit emphasizes ensuring the interests of the tenderer or investors. The letter of guarantee can be jointly undertaken by the winning contractor and the third party, but it must be recognized by the tenderer and effective, and the third party bears joint liability, so it is replaceable. The purpose of paying the performance bond is to prevent the contractor from violating the contract provisions or breaching the contract during the execution of the contract and make up for the economic losses caused to the employer. There are three forms: payment guarantee (also called performance guarantee), performance bank guarantee and performance guarantee. The deposit can be paid by confirmed check, bank draft or cash check, and the performance bond generally does not exceed 10% of the contract price. Commercial contract classification 1. (Commercial contract) Contract performance bond refers to a monetary guarantee provided for the performance of the contract. And return it when the contract expires or is dissolved according to law. It is not a legal way to guarantee debts, and its nature and effectiveness lack legal basis. Futures field ii. (in the field of futures) the deposit made by the buyer and seller of a futures contract or the option seller in a trading account to ensure the performance of the contract. Commodity futures deposit is not a stock payment, nor a deposit for trading commodities, but a good reputation deposit. The payment of deposit is a kind of financial guarantee for the buyer and the seller to guarantee the performance. Traders in the futures market must deposit a certain amount of performance bond when trading. The amount of bonds is set by the exchange that provides contract transactions, usually 5- 15% of the total contract value. Of course, brokers or entrusted brokers will also set an additional margin on their own, which will not be lower than the level set by the exchange. In addition, the level of margin is also affected by the market transaction risk, and more margin is usually paid in the volatile market. At the same time, the margin requirements for hedging and speculative trading are also different. Generally, the deposit received by the former is relatively low. Margin is divided into initial margin and additional margin. The initial margin is the margin paid by the trader before the transaction according to the regulations. Due to price changes, the book losses suffered by traders are deducted from the margin, resulting in a decline in the margin. When the margin is reduced to a lower level (generally stipulated by the exchange), the broker will ask the trader to pay a part of the margin to make the account reach the initial margin level. This extra part is called extra margin. The deposit is independent and must be collected, stored, executed and returned by institutions recognized by both parties. According to the law, the bank guarantee system is implemented in accordance with Article 5 of the Measures for the Administration of Quality Margin of Construction Projects, and the contractor may use the bank guarantee instead of the reserved margin.