The Research On Mortgage Value Appraisal Of Yue Yi Building

In recent years, foreign banks compete to launch commercial mortgage loans,resulting in a large number of commercial real estate mort gage appraisal business,especially mortgage office assessment, Not only has the general office immovableproperty, the value of large, long life, increase the value of other generalcharacteristics, and general location is better, larger scale, the abilit y to have goodcash inflows, in recent years mortgage loan business office building has been used formore bank creditors. But at the same time, the office market value by regionalfeatures, building features, influence of facilities and neighborhood envir onment andother factors, so that the office of mortgage valuation has become a major problem inreal estate appraisal.This paper uses the method of combining qualitative analysis with quantitativeresearch, from the improvement of the technology syste m and the practicalperspective, the office of mortgage valuation related problems are studiedsystematically, in order to improve the scientific and accurate evaluation of officebuilding mortgage value, promote the research and application of real estate appraisaltechnology. This paper starting from the related theories of real estate mortgageappraisal, to the particularity of real estate mortgage appraisal carried on the thoroughanalysis and research,Then the definition of office buildings, office bui ldingsmortgage particularity and office buildings mortgage problems etc.. Traditionalvaluation methods outlined and explores the applicability and limitations of the basicmethods for office mortgage assessment. According to the specific circumstances ofthe office,select the income approach, cost approach to estimate the value of officebuildings.Then on the income approach, cost approach to estimate the value of officeprocess in detail,and focuses on the analysis of time series method to calculate theincome, safe interest rate plus risk adjusting coefficient method to calculate thediscount rate, the benchmark land price correction method to calculate the value ofland and various methods to determine the rate of profit. Finally b uckle to thehypothec realization of taxes and fees, office building mortgage value were obtained.