| Real estate mortgage appraisal can be the powerful reference basis for enterprises or individuals to apply for mortgage loans so that the commercial bank is able to make the right decisions to provide a loan for them, help the two sides properly assess the value of real estate. However, in the development process of real estate appraisal, it has exposed many problems and defects that the assessment of risk produces a direct impact on both maintaining financial order and the real estate market order. These defects to a certain extent, increases the risk of the assessment agencies and assessment personnel occupation and also brings a lot of hidden trouble to the future development of real estate appraisal. Real estate mortgage appraisal is the key connecting between real estate and financial industry. How to effectively solve the practical problems, to guard against and avoid financial risk has become a top priority in the field of current asset appraisal.This paper is devided into five parts mainly:Part One expounds the advanced theory and principles of real estate mortgage appraisal at home and abroad. Part Two is theory summary of real estate mortgage appraisal and related question, including the basic knowledge of real estate mortgage and theoretical support. Part Three is the discussion of the method about the real estate mortgage value evaluation, pointing out the shortage of current real estate mortgage assessment methods based on introducing and comparing of the existing real estate mortgage evaluation. Part Four details that the adoption of real estate mortgage risk coefficient method to practical application cases validates the feasibility and practicality of the evaluation method in a certain sense. Part Five shows the conclusion and policy recommendations and prospects.According to the theoretical basis for the assessment of the real estate mortgage and common methods to analyze, improve the quality of mortgage appraisal of real estate, reasonably determine the value of real estate collateral, combined with the actual case of concrete analysis, argumentation, practical significance. |
