Generally speaking, high appraisal mortgage refers to raising the appraisal price of houses in the process of buying and selling houses and handling loans, so as to reach a higher loan amount, which is generally used for second-hand houses, mainly when the bank's approval policy was not strict in the past. With the gradual strengthening of national macro-control and the improvement of banks' own risk awareness, it is more and more difficult to evaluate high-value loans.

High evaluation is high evaluation value, and high loan is high loan amount. It is a play jointly staged by appraisal companies and banks, so that the appraisal price of houses is higher than the market price and buyers can borrow more. Banks, appraisal companies and property buyers will all benefit from it. Appears in the situation of buying a house with a loan. High evaluation and high loan are mostly intermediary operations.

If you buy a property of 2 million yuan, you need to pay 400,000 yuan according to the down payment of 20%. However, through the evaluation company's "high evaluation" of the house price to 2.5 million yuan, it can become a down payment of 500,000 yuan and a loan of 2 million yuan. The intermediary can advance 500,000 yuan to the seller, and after 2 million bank loans are made to the seller's account, the seller will return 500,000 yuan to the intermediary.

The term of "high evaluation and high loan" is about 1 month, and the buyer only needs to pay the interest of this 500,000 yuan "bridge fund" 1 month, which is equivalent to buying a set of 2 million real estate with zero down payment. In this process, intermediaries mostly use their own funds to "advance the bridge" to obtain service fees and interest on the bridge funds.

Extended data:

Risk of high mortgage evaluation

I. Transaction costs

I only saw the part that can increase the loan amount, but ignored the other costs that followed. According to the trading habits of second-hand houses in Kunming, under normal circumstances, the transaction taxes and fees are usually borne by the buyer, so the transaction price higher than the actual transaction price will inevitably lead to a direct increase in taxes and fees, and the price will also increase accordingly.

Second, the future is very risky.

In addition, with the rise of housing prices, it is necessary to obtain the consent of the seller to sign a second-hand housing sales contract at a price higher than the actual price agreed by both parties, and the down payment corresponding to the contract will be higher than the actual down payment.

At the time of closing the transaction, the seller is willing to cooperate with the completion of the transaction procedures and the bank loan, but the seller may wake up from his dream at any time and realize that he still has extra down payment to collect, and immediately raise the question that you have not fulfilled the down payment according to the contract, or even sue.

Third, there will be more "old lai"

In the period of soaring housing prices, "high evaluation and high loan" successfully handled the loan and helped the bank complete the assessment task. But once the house price falls, it is possible that the house is insolvent (the value of the house is lower than the loan balance).

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