Research On Mortgage Value Appraisal Of Real Estate

Along with the deepening of China’s reform and opening up, China’s socialist marketeconomy has developed rapidly. With clear property rights secured by the assets needed toget the funds have become an indispensable way to market financing of economic agents(and real estate accounted for16%on the total amount of mortgage loans), which is thefinancing side and the business dealings between banks important content. In recent years, alarge part of the real estate mortgage loans in the mortgage remains in force also becomesnon-performing loans, these problems have been on China ’s financial environment caused abad effect, it will inevitably affect China ’s economy for a long time sustained and stabledevelopment. Therefore, this issue can not but arouse our attention, it is worth us to do morein-depth discussion and research. Although the causes of the formation of many types ofnon-performing loans, however, the value of appraisers for mortgage assets were too high toassess the realization of assets secured by real estate has become a low settlement rate is animportant reason. Quality problems with real estate as collateral assets arising from collateralvaluation has caused widespread concern in the community and become a hot issue in thefield of asset valuation. This article is mainly related to the basic theory from real estatemortgage valuation, fundamental principles, and how banks use value assessment reports onreal estate collateral valuation discuss relevant issues, and then through the characteristics ofthe real estate collateral valuation analysis to find the relevant law in this area, therebyenabling the country to assess the value of real estate collateral is more accurate, impartial andreasonable.Application of the proposed text, analysis and problem-solving procedures start on theresearch, and the industry has not yet reached unity on issues such as the definition ofcollateral asset values, confirm the value of the type of valuation maturity, etc; According tothe general operation of the real estate collateral valuation ideas discussed issues related toreal estate collateral valuation practices exist, such as the lack of legitimacy of the study priorto assess the presence of collateral, the evaluation process of information collection, collationand analysis is not sufficient, evaluators professional skills and ethics low, late assessment evaluation report written for the inferior quality and use of evaluation reports wrong,combined with related cases against these problems in depth analysis, and in accordance withown understanding made their views and suggestions.Structure of the article is as follows:The first chapter against the background of real estate collateral valuation, significance isexplained, and the current research and research ideas and research methods are discussed.The second chapter on basic concepts for the valuation of real estate collateral to define,with a focus on the collateral value of the assets related to the concept of the analysis,including the definition of collateral value of the assets, the characteristics of real estatecollateral valuation, assessment point, etc., and its done out about the definition of one of themain innovations of this article and contribution of this chapter.The third chapter firstly discuss the status of the real estate collateral valuation, on thisbasis, then we state the problem of real estate collateral valuation.The fourth chapter analyzes the valuation of real estate mortgage problems, and pointedout the reasons of the problem.The fifth chapter is based on the foregoing analysis, evaluation practitioners from accesscharges, the follow-up education, mortgages and other legal construction to assess proposalsfor some feasible.The sixth chapter is the conclusion. Concludes the paper, the relevant research workcarried out in this paper a general overview, while the real estate collateral valuation futureprospect.