What is the appraisal of real estate mortgage value?
1, the power of modern social finance is unprecedented, but the risk based on credit premise is her nemesis. Risk-induced crisis, with credit can make everything swept away, who can not be afraid. As a seller of special real estate financial products, with the continuous development of this business, the resulting risk problems have attracted more and more attention and vigilance from all parties concerned.
2. The mortgage is legal and effective. When the state-owned real estate is mortgaged, it must be approved by the state-owned assets management department (except for commercial real estate developed and operated by state-owned real estate development enterprises). The following is similar); All joint-stock enterprises and joint venture limited liability companies must be approved by the board of directors according to the articles of association; Where the real estate owned by ××× is mortgaged, the written consent of the owner of ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××× When the pre-purchased commercial housing or commercial housing under construction is mortgaged, it must meet the conditions of real estate transfer, meet the conditions of construction project contracting and obtain the pre-sale permit of commercial housing and the certificate of real estate rights.
3. The real right is clear. The real right of real estate includes real right and other real rights, and real right is a right, including the collective name of possession, operation, use, exclusion and disposal of real estate; His real right is the right to others' real estate, such as the right of the mortgagee to mortgage real estate. Generally speaking, all the properties that can be bought and sold can be mortgaged, and the mortgaged properties can also be sold or transferred after completing the formalities.
What problems should we pay attention to?
1. In the process of mortgage loan issuance, if the bank, as the mortgagee, does not carefully examine the repayment ability of the mortgagor, does not openly select the evaluation institution, and does not have professionals to review the evaluation results of the evaluation institutions and appraisers, and excessively increases the proportion of loans issued, there will be higher risks in mortgage loan evaluation.
2. Ignore the mortgagor's repayment ability and pay one-sided attention to the collateral value guarantee: When banks review real estate mortgage loans, they should not only review the collateral value, but also consider the mortgagor's repayment ability. Because there are many competitors in the banking industry, in order to expand the market and have more customers, major banks do not seriously examine the mortgagor's solvency, but only take the value of collateral as the main basis for whether to issue loans, and determine the loan ratio according to the value of collateral given by the evaluation agency and the income certificate, credit status and loan term provided by the mortgagor.
3. Appraisal institutions are not publicly selected, lacking objectivity and impartiality: in principle, banks should choose appraisal institutions with high qualification level, rich experience and good reputation when evaluating the value of collateral, so as to increase the security of bank loans. At present, when banks evaluate the level of collateral, they often choose one or several evaluation agencies from the shortlisted evaluation agency library for evaluation. However, some short-listed evaluation agencies are short-listed on the condition of giving kickbacks or benefits, which provides opportunities for corruption among bank staff and reduces the security of mortgage loans.