估值报告
After the loan applicant has received a pre-appraisal, the most important part is the appraisal of the house to be purchased, and the loan percentage is determined according to the appraisal price. Since the bank and the purchaser do not negotiate the price of the house directly, it is difficult for the bank to accept the price of the house unilaterally approved by the purchaser, and the bank and the purchaser share the risk in the case of a higher loan amount.
ChatGPT said:
当贷款申请人完成了初步评估之后，最关键的环节就是对所购房产进行正式评估。贷款额度的比例将根据房屋的评估价格来确定。
由于银行与购房者并不会直接参与房价的协商，银行难以接受仅由购房者单方面认可的房价。因此，当贷款金额较高时，银行与购房者需要共同承担相应的风险。