Study On Dynamic Assessment Of Real Estate Mortgage Loan

In recent years, the real estate industry as a pillar industry in China has achieved rapid development. At the same time,the development of the real estate industry also lead to the development of the real estate appraisal industry in our country. In the mortgage business, real estate mortgage appraisal has become the bridge between the financial sector and real estate industry. If it has problems in the evaluation results, the security of bank loans are likely to be threatened. The purpose of the real estate mortgage appraisal is to ensure the security of bank loans. But at present, the market value comparison method is more adopted to evaluate the value of the collateral at some point by the evaluation personnel, and with the market value as the value type. The obtained evaluation results are susceptible to the influence of the changing market conditions, and the safe hidden trouble may be buried. Therefore, it has great significance to consider comprehensively the features such as the collateral existence for a long time and so on, choose the right type of value, set up dynamic evaluation of real estate mortgage loan.This article adopts the traditional thinking of writing. That is putting forward problems, analyzing problems and then solving problems. At the first, the paper introduces the research background,the significance, domestic and foreign literature review, clarifies the research ideas and methods, etc. According to the general process of real estate appraisal and the analysis of the real estate appraisal reports proposed the problems and reasons existing in the real estate appraisal practice. Combined with assessment cases that the point estimation method of at present our country adopting giving priority to with market value types doesn’t match with the evaluation purpose of real estate mortgage loan. It will threat to the security of bank loans. The real estate mortgage dynamic evaluation should be put forward. According to the analysis of the value type, the mortgage value is the match with real estate mortgage appraisal purposes. Combining with the above to analysis the basic framework of setting up dynamic evaluation of real estate mortgage loan.