您的房子值多少钱?澳洲贷款买房不可不知的房屋估价(Property Valuation)
想要在澳洲贷款买房,首先要得到银行贷款的预评估,在得到预评估以后,接下来最重要的一个环节就是对所购买的房屋进行估价,按评估的价钱来确定贷款比例。
许多借贷者认为贷款金额是按照房屋成交的实际价格进行贷款,但其实不然,在银行做审批是会找到一个第三方机构对该房产进行估价,最终会以估价的结果作为贷款金额的依据。
什么是房屋估价
房屋市场价和房屋估价是完全不同的概念。
市场价:是指一件商品在公开市场上的买卖价格。简单说来就是买家愿意出售,而卖家愿意出让的真实价格。
估价: 是指专业评估机构对于某一个物业在市场上的价值评估或预测。这个结果也不是准确的,估价师再专业,也不能完全准确判断出物业市场价。
房屋估价是非常专业也是非常有难度的工作,但同时它又会有一些主观因素的影响。房屋估价师会根据物业的地理位置、楼层、方位、室内装潢和周围房产的历史成交价等等因素判断该物业的价值。
估价是由银行指定一家第三方的估价公司去做,以保证这份评估报告的公平,公正和准确性。不同的银行还可能会通过同一家估价公司去做评估,这充分说明了估价报告是不受银行或者其他机构影响的。
房屋估价的三种不同方式
房屋估价有三种不同的方式,包括系统查询 (Automated desktop valuation)、 路边评估(Kerb-side valuation)和实地全面评估 (Full valuation)。
系统查询或是通过AVM等做系统评估适用于一些低风险物业的评估,银行有时会判断购买的物业不太会有贬值或是有较低借贷风险时,会采取系统查询的方式,这种方法会有相对节省人力和时间。
也有时候银只需要委派评估师在房产路边做一个评估,不需走进该房产。这种评估方式大多适用于House,评估师在路边观察房产,根据周围的地理位置、环境和土地的面积等等做出判断。
全面的实地评估报告,即入屋查看,大多适用于apartment。除此之外,有些银行还有要求房价超过100万到150万以上的房产要进行全面评估。
对房屋抵押物(Security)的要求
在澳洲,我们贷款购买的房产实际上就是以一种抵押物的形式抵押给银行,银行通过对抵押物的估值放贷给申请者。
那么,对于不用类型的抵押物,每个银行的房贷要求是不同的。
一般来说,对于面积比较小的房子,尤其是studio的贷款是有限制的。很多贷款机构都不接受小于50平方米的房贷申请,他们担心这种房产在拍卖时有风险。
除此之外,贷款机构对于位于比较远,或者主流购买区域的房产贷款也会有所区别。一般来说,位于大城市的房产比位于人口较少的乡村区域的房贷申请更能获得优先考虑。同理,在不动产价格较高的区域比一般区域更容易获批,因此在较远地区房产的贷款比例也要相对较低。
唯品小贴士
房屋估价对于房贷申请者尤为重要,所以在购买房产时要衡量好自己借贷能力的同时还要对房屋本身价值有所了解,不要为了能买到房子而一味地出高价。
银行出的估价报告如果低于市场成交价,一般很难更改。通常房产估价是来保护买家和银行,在未来房产被迫销售时不会带来损失。
虽然估价低并不意味着房子的价值低,但是从银行的角度只会按照低的价格来做评估。如果您在房屋估价和贷款方面有任何的问题和需求,请联系我们专业的唯品信贷顾问做详细沟通。
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