Third, the house appraisal needs objectively accurate, the loan crisis exposes when making loans the house price overestimates seriously, once the borrower breaks a contract, the bank loses is bigger.

• 第三，房屋评估需要客观准确，次贷危机就暴露出在放贷时房价被严重高估，一旦借款人违约，银行损失就更大。