Mortgage Appraisal Of Real Estate And Risk Precaution

With the gradual development of the real estate industry, the current bank adoptsway into real estate mortgage evaluation to a mortgage credit scale has expanded yearafter year. In order to determine the appropriate amount, the mortgage of estateevaluation is particularly important. At the same time, security is one of the mainprinciples in the business of financial organization. Of all the risks in real estatemortgage loans which financial organization provides, risk of appraisal is the one thatcan’t be ignored. Normative assessment of the real estate mortgage operations hasset up a bridge connection for real estate and financial services industry, to play anactive role on maintaining the real estate market and financial order. So the preventionof risk for the mortgaged real estate, how to solve the current appraisal institutions hasbecome a very important researched subject at present.This paper analyzes the current status for the mortgaged real estate appraisal riskmanagement in China, points out the problems existing in the mortgaged real estateappraisal, and analyzes the characteristics and the formation mechanism of themortgaged real estate appraisal risk. This paper analysis the risk evaluation form theaspects of risk identification, risk estimate, risk evaluation and from three stages suchas risk planning, risk control and risk supervision to research risk management. Thelast, the paper gives the approaches of resolving problems and eluding risk by theanalyzed demonstration, and the academic level and practical significance of thepaper can be set up.According to the different formation system, this paper puts forward to somepreventive measures, in particular, puts forward to some suggestions or measures toprevent risks for each step of the mortgaged real estate appraisal program, andanalyzes the credit and profit of the customer to prevent the risk better. Also proposesthat they can understand the prediction fluctuation law of real estate prices in thepreventive measures, and improve the accuracy of the evaluation values to reduce theprobability of risk.