评估在购房中的作用

您选中了心仪的房子。您已经提交了报价。现在，您的贷款人希望您做一个评估。

评估的作用是什么，它对您的购房有何影响？

以下是您需要了解的一切。

评估的主要目的是什么？

估价的目的是评估您财产的价值。它可以有 大有作为 贷款的最终形式，包括利率、所需首付款和最终贷款审批。 

买家经常低估房屋的价值。卖家则经常高估。估价是关于房屋价值的不偏不倚的第三方意见，使贷款人能够做出清醒的决定。如果您是全现金买家，您不需要评估，但您可能需要评估，这样您也能做出明智的决定。 

买房时由谁委托评估？

The buyer orders the appraisal and pays for it. You can expect to pay $300 to $400 to start the process. If you’re buying a house in Florida, your realtor can usually refer you to a good, reliable appraiser. If you want to choose your own, make sure they are licensed and certified. Per federal law, your chosen appraiser may not benefit from the transaction either directly or indirectly.

如果估价高于报价会怎样？ 

当您完成估价时，房屋已经签约。这意味着卖家不能因为得知估价高于预期而突然拒绝报价。事实上，聪明的卖家通常会在确定挂牌价之前进行估价，这样他们就可以避免这种情况的发生。

如果估价高于出价，那么您就可以开始您的置业之旅，获得额外的房产净值，并知道您以低于市场价值的价格买到了房子。 

卖家通常会在估价后降低价格吗？ 

如果出现相反的情况，估价远远低于出价，而您又以可接受的估价作为购买房产的条件，那么您可以要求卖方降低价格，只要您的贷方仍然愿意贷出新的、较小的金额。 

贷款人对愿意提供的贷款额度有一定限制，但他们通常也不会提供数额过小的抵押贷款，因此，对于任何依靠融资完成购房的人来说，提供抵押贷款都是一种谨慎的平衡行为。 

如果估价过低，买方可以放弃吗？ 

如果买方在要约中加入了估价应急条款，并且在合同规定的期限内行事，那么一旦估价结果过低，买方一般都可以全身而退，而不会承担任何后果。 

通常情况下，买方 必须 因为贷款人可能不愿意完成抵押贷款程序。请记住，贷款人是用您的房屋来抵押贷款的。他们希望确保在您无法还款的情况下，您的资产能够弥补他们的损失。如果房子不够值钱，就无法做到这一点。 

立即获得帮助 

与关心您和您的利益的贷款人合作，他们会帮助您克服可能出现的陷阱，如评估问题。

请联系 Alex Doce 以安排 免费的 今天就进行一对一咨询。

常见问题

What does a home appraisal consist of?

A home appraisal looks at the property’s size, condition, location, and recent sales of similar homes in the area. The appraiser checks both inside and outside the house to estimate its fair market value.

How do home appraisals work?

Home appraisals work by having a licensed appraiser inspect the property and compare it to similar homes recently sold nearby. The appraiser then gives a report with the home’s value, which lenders use to decide how much they can loan.

What is the appraisal process?

The appraisal process is when a licensed appraiser looks at a home to decide its fair market value. They check the size, condition, location, and compare it to similar homes recently sold in the area. Lenders use the appraisal to make sure the home’s value matches the loan amount. This step protects both the buyer and the bank from overpaying for the property.

Why are appraisals for homes important?

They protect both the buyer and the lender by confirming the price is fair. This helps prevent overpaying and ensures the loan matches the home’s true value, which is why lenders also rely on home loan estimates to give borrowers a clear picture of costs.