Study On The Practice Risk Of Real Estate Mortgage Evaluation In Construction Project

As the pillar of the tertiary industry,the real estate industry plays an important role in promoting the social development and economic construction.With the change of real estate industry pattern,that is,the stronger more and more strong。As for the weak,mortgage loan has always played an important role in the financing of real estate developers.As a necessary channel for mortgage loans,the value evaluation of real estate is especially important in the field of construction.Thanks to the construction project in progress has not reached the final completion acceptance or delivery of the real estate under the form of use,from the completed underground foundation project to the completion of the above ground main structure,and then to the final completion and acceptance,this time span is very long.With the increase of the completion rate of the project,the evaluation value of the project is also increasing,that is to say,there is a linear relationship between the completion rate and the evaluation value.Therefore,complexity and particularity are the two characteristics of the evaluation of the project in progress.Only by objectively,fairly and scientifically estimating the input cost and value after the completion of the development of the project under construction,selecting the technical parameters reasonably and selecting the appropriate evaluation methods can the comparison be made.It reflects its value objectively and accurately,and through the confirmation of the scope and the recognition of legitimacy,the objective status of rights and interests and location,the level of valuation business,the application of valuation methods and the objective analysis of real estate market reveal the practical risks faced by valuers in the process of evaluation of real estate under construction.Only from the perspective of studying the practice risk faced by the real estate appraisal practitioners,standing at the evaluation time point,fully considering the risk factors such as short-term compulsory disposition,the subject matter itself and future market changes,etc.Deep analysis of the real estate appraiser in the process of evaluating the real estate under construction,because of the real status of the mortgage,the rights and interests and location of the determination,the level of valuation business level,The application of valuation methods and changes in the real estate market to face the practice risk.On the basis of qualitative analysis,a multi-level risk index factor system is constructed by AHP and a risk evaluation model is established by using fuzzy mathematics theory.This paper makes a quantitative analysis on the practice risk in the process of real estate evaluation of the construction project.Finally,combining with a typical real estate evaluation case of cons:the paper clarifies the inducement of risk faced by practitioners and the influence of each inducement on the risk in mortgage assessment of construction project in progress,and then clarifies the direction of avoiding the risk in the actual assessment;a simple,scientific and reasonable division is made for the progress of completion of the project under construction.According to the situation of the division,there is a linear correlation between the size of the completion rate and the mortgage value of the evaluated object.The completion rate of the construction project in progress restricts the professional risk faced by the valuers;the risk assessment system is established,and the relationship between the risk factor index and the risk evaluation system is clarified,so that the risk can be quantitatively grasped;based on the risk evaluation system and case study of real estate practice in construction project,according to the result of risk evaluation,we can judge the level of practice risk in the field of real estate mortgage assessment of construction project in a region.