The time to get such a loan is obviously before disaster strikes. The appraisal might not go so well after your house is flattened.

当然在灾害来临前你就得取得这样的贷款，房子被损毁后估价当然要打折扣了。

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Additionally, the new policy requires commercial Banks neither link the amount of loan to property appraisal value nor grant property mortgage loan without specifying the purpose of the loan.

另外，新政策不允许商业银行将贷款额度与房产评估价值挂钩也不允许发放没有实际用途的抵押贷款。

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Let's take appraisal fraud first. This is simply where you inflate the value of the home that is being pledged as security for the loan.

我们先来看估价欺诈简单地说，估价欺诈就是夸大用作贷款担保的房屋的价值。

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At Hale's urging, Palmer was attempting to justify an appraisal for a loan on property in the Little Rock area.

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Since November, Union Bank has also allowed borrowers to roll the costs of a refinance, like the appraisal fee and loan processing fee, into the mortgage.

WSJ: Refinancing Deals Get Sweeter

Because the appraisal didn't lower his loan-to-value ratio, and despite his high credit score, Mr. Lattas says he's going to end up with a mortgage rate that's a quarter of a point more expensive than the lowest rates available.

WSJ: The Appraisal Betrayal | Jumbo Jungle