What are the problems in real estate appraisal? 25

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1. Problems in valuation methods.

At present, most urban real estate demolition assessments are based on the combination of benchmark ** into new, location, street and other coefficients to comprehensively determine the demolition price, which is inconsistent with the spirit of the calculation method. First of all, this is due to the fact that the ** of the house is determined by the market, not only by the physical inherent tangible factors of its own physics, but also by the many factors of the market, often the latter has a greater impact than the former.

2. Determine the problems existing in the housing benchmark.

The calculation of the benchmark price of the house, first of all, is determined by the appraisal agency, and then by the agency to measure, and then by the first in conjunction with the relevant departments to confirm the calculation results, in fact, it is still a kind of behavior, can not get rid of the intervention of the first, so the benchmark price of the house is not a market behavior, can not accurately reflect the changes in the market housing **, and even has the intention of lowering the benchmark price of the ** and its departments.

3. Problems in the compensation price of house demolition.

The compensation price of the land is not really reflected. The current compensation price for demolition and relocation of houses in some cities is combined into a newly obtained compensation price for scattered demolition and relocation of houses, and the final result can only reflect the tangible state price inherent in the physical nature of the house itself to the greatest extent, and cannot correctly reflect the economic utility value brought by the housing entity, let alone the price of intangible assets of land, of course, this final result generally reflects the conclusion that the compensation price is low.

Factors influencing the evaluation of the house1, the structure of the house and the degree of newness.

The compensation for house demolition is different for the different structures of the house. There are types of houses, such as wooden structure, brick-concrete structure, reinforced concrete structure, steel structure, etc. In general, the value of wooden structures.

The degree of newness of the house also affects the compensation. The length of time the house has a significant impact on the housing compensation**. Generally speaking, the higher the age of the house, the lower the value, but some houses with a long history and specific significance cannot be evaluated according to the above age factors, otherwise the value of the expropriated house will be underestimated.

For such houses, the value of the value of the assigned value is often higher than that of the new house.

2. Housing use.

The compensation for house demolition is not the same for different uses of houses, some houses are for their own residence, some houses are for business use, and some are used for factories and warehouses. The value of industrial premises.

3. Housing location.

In a city, when the area, use, and structure of the house are determined, the value of the house depends more on the location of the house in the city, which is what the people call the degree of prosperity. For example, the value of the house close to the school district and the distance from the hospital is very high, and there is also the compensation for the demolition of the house near the second ring road in Beijing and the house near the sixth ring road**, which is obviously not the same.

4. Housing appraisal**.

When it comes to expropriation and demolition, the valuation of the house is an indispensable part. However, it is ** that leads the demolition work, and most of the assessment agencies will be intervened. It is not possible to evaluate your home independently, objectively and impartially.

What factors should be considered in a real estate appraisal? There are many factors that affect the market price of a house, such as property type, structure, level, orientation, indoor net height, studio span, construction age, ownership, filial piety lot grade, area, room type, lighting, kitchen and bathroom size, building quality, elevator number and brand, façade modeling, interior and exterior decoration of the property, housing efficiency and the external environment of the property, greening, humanities, transportation, commercial service facilities, infrastructure, residential popularity, community floor area ratio, regional planning, etc., all of which must be considered with appropriate and cautious renting. What are the characteristics of real estate valuation?

1) Real estate valuation is scientificReal estate valuation is based on scientific valuation theories and methods, and is stupid and scientific. Although real estate is affected by a variety of factors, the composition and changes are relatively complex, and it is difficult to determine accurately, but its essence is not subjective assumptions, but the objective real value of real estate is correctly reflected through appraisal activities, which has a strong objectivity and scientificity.

2) The Artistic Nature of Real Estate ValuationReal estate valuation is artistic to a certain extent, which is mainly reflected in the following aspects: 1. Real estate appraisers need to have rich experience. Real estate valuation is a highly specialized business, and appraisers must have extensive experience in order to make accurate and reasonable judgments.

2 Real estate valuation requires strong reasoning and judgment skills. Rich valuation experience is the premise of a successful appraisal, and the reasoning and judgment ability formed on the basis of experience represents the level of the appraiser to a certain extent. In the process of real estate valuation, the ability to reason and judge is not only reflected in a thorough understanding of the laws of real estate, but also sometimes shows illogicalness, which is reflected in the appraiser's extraordinary vision.

3 Real estate valuation requires a certain amount of skill. On the one hand, the skill of real estate valuation is reflected in the appraisal process, and on the other hand, it is reflected in how to ensure the authority of the appraisal results and ensure that the client and the relevant parties can accept a reasonable appraisal conclusion. In the process of real estate valuation, it involves accurately verifying the right status of the real estate to be appraised, how to prepare the appraisal report as quickly as possible, and how to avoid disputes in the future.

3) Real estate appraisal has a comprehensive The comprehensiveness of real estate valuation is mainly reflected in the following aspects: 1. Real estate appraisers need to have comprehensive knowledge. 2 The assessment process is wide-ranging.

Real estate appraisals sometimes include not only tangible assets (physical real estate) but also intangible assets. 3 Real estate valuation sometimes requires a comprehensive operation. Real estate valuation sometimes requires the collaboration of appraisers, structural engineers, architects, planners, and others.

4. Real estate valuation also has a certain policy nature. For example, when evaluating the dwelling, the relevant policies of the state should also be considered, and the method of transfer and the relevant industrial policies should also be considered when evaluating the transfer of land. All of this, to a certain extent, also reflects the comprehensive characteristics of real estate valuation.

In the case of housing transactions or mortgage loans, the value of the house should be evaluated, but many people are not clear about the relevant knowledge of real estate appraisal, so let's introduce how real estate is evaluated.

1. How is real estate evaluated.

By professionals with relevant certificates, in accordance with the purpose of valuation, in accordance with the principles of valuation, according to the valuation steps, using valuation methods, and then inductive analysis, the fundamentals of the factors affecting real estate, joint valuation experience and analysis of factors affecting real estate, the specific rights and interests of real estate, the most likely to achieve a reasonable estimate at the specified time.

2. What are the types of real estate appraisals?

1. General assessment.

This kind of appraisal is usually when there is a difference of opinion or dispute between the two parties to the transaction, and the appraisal company is turned to deal with the disagreement and dispute, so that it is close to the same means, usually does not have legal effect, and is a reference appraisal, which reflects the ordinary value level of a certain area, a certain point in time, and a specific property.

2. Real estate mortgage appraisal.

This kind of appraisal is when the buyer is looking for financial support, the assessment of the house they mortgage, it must be assessed by the appraisal unit designated or entrusted by the financial sector, once the appraisal is determined, it has legal effect, produces normative legal documents, and is binding on both parties, and this kind of appraisal value is usually low.

3. Specific assessments.

This kind of appraisal is the real estate transaction management department, the transaction of the two parties to the transaction ** is significantly lower than the market ** level and the assessment, in order to obtain its reasonable valuation, should use more than 2 kinds of appraisal methods to carry out the appraisal, once the appraisal results are determined, with legal effect, the buyer and the seller must be based on the model after the appraisal value, accounting and payment of taxes.

Property appraisal is a necessary part of the second-hand housing transaction process. To put it simply, when we need to apply for a mortgage loan, the bank needs to provide the loan to the buyer according to the housing appraisal report according to the specified percentage of the house price. On the other hand, if we are in front of Duan Bi** house, through the property appraisal and accurate valuation, we can also have a spectrum of the house sold, which is conducive to us as soon as possible**.

The main factors influencing the assessment include:

Community location, living facilities, surrounding environment level, convenient transportation conditions, etc.;

The construction age, orientation, floor, house structure, decoration level, property type, etc.;

market speculation factors and other factors.

1. How to evaluate the second-hand house.

1. Real estate appraisal agencies generally use market comparison method, income method, cost method and other methods for the evaluation of second-hand houses. However, most appraisal agencies generally use the market comparison method to evaluate the house when conditions permit.

2. The market comparison method refers to: selecting at least three or more market examples that are similar to the house to be evaluated in terms of location, age, house type, etc., and comparing them with the second-hand houses evaluated, and then making appropriate corrections according to the specific conditions of the houses to be evaluated, so as to estimate the objective and reasonable ** or value of the second-hand houses evaluated.

3. The factors of correction include: the prosperity of the location, the convenience of transportation, the community environment, the landscape, the completeness of public supporting facilities, and the restrictions of urban planning; The size and shape of the house, the condition of the road, the completeness of the infiltration infrastructure, the degree of land leveling, the topography, the geological and hydrological conditions, the planning and control conditions, the term of land use rights, the degree of newness of the house, the decoration, the facilities and equipment, the plane layout, the quality of the project, the building structure, the floor, the orientation, etc.

2. How much can you borrow for a second mortgage on a mortgage?

1) Generally speaking, the mortgage amount is different for different properties to be mortgaged. Under normal circumstances, the mortgage of commercial housing can reach 70, while the mortgage of shops and office buildings can reach 60, and the mortgage of industrial plants can reach 50%.

b) Point out that there are many factors that affect the amount of a home mortgage. The appraisal of the property is an important factor that affects how much money can be borrowed for the mortgage loan, and the reasons that affect the appraised value of the property mainly include the type of house, orientation, location, age of completion, floor, etc.

3) The mortgage loan limit is also directly related to the assets owned by the borrower, if there is only one property, then only half of the appraised value of the property can be borrowed; If there are multiple properties, then you can borrow 7 8 percent of the appraised value of the property.

4) The amount of personal income will also be taken into account by the bank within the scope of the loan factor, if the personal income is low, the bank will consider whether the borrower has sufficient repayment ability, then the bank will reduce the loan amount.