Research On Assessment To The Value Of HK Building Real Estate

Since the 1980 s, people’s living standards with the rapid economic development has been greatly improved. as the people of the rigid demands of real estate and its growth rate is unprecedented, and real estate development is inseparable from the commercial banks to promote. Real estate as a more reliable way of security, much favored by commercial banks,now it has become one of the main forms of commercial bank mortgage business. Under the premise of access to credit interest, how to effectively prevent the risk of mortgage loans to commercial banks to ensure the safety of the loan funds is a matter of commercial banks must face. Solution to this problem requires a reasonable assessment must be carried out on the value of real estate collateral. Choose a reasonable assessment methods in the assessment is very important, the income approach is the most comprehensive assessment of the theoretical method, which has strong applicability in assessing the value of real estate gains. So how to skillfully use the income approach, a reasonable forecast of net income and reduction of interest rates, to ensure that the assessment results of scientific rationality, and so on, these are the current real estate mortgage evaluation urgent problems.In this paper, the typical income property-HK building as a case study, using the income approach to determine the reasonable value of the mortgaged real estate HK Building, The reference basis for the Bank of Dong guan Nan cheng branch of the mortgage loan amount is provided. This paper analyzes the mortgage value types in the appraisal of choice, the key is to determine the three parameters in the application of income approach. For HK building actual situation, the rights and interests of real estate do a simple review, in which its regional factors, market background and the future development of the situation to do a more detailed analysis. Through the establishment of time series model, a reasonable forecast of HK building effective gross income and net income in the future, and the interest rate reduction and benefits for a reasonable number of years to determine, and then select the appropriate formula for HK building the value of commercial and residential part of reliable estimates, finally it is concluded that the mortgage value.