Collateral Evaluation and Credit Risk Management抵押品评估文档.pptVIP

* * * /p/articles/mi_qa5344/is_200402/ai_* * http://www.boj.or.jp/en/type/release/zuiji/kako01/data/fsk9812c.htm * http://www.boj.or.jp/en/type/release/zuiji/kako01/data/fsk9812c.htm /download/FDIC_%20FIL-84-2003_%20Independent%20Appraisal%20and%20Evaluation%20Functions.pdf * http://www.boj.or.jp/en/type/release/zuiji/kako01/data/fsk9812c.htm /download/FDIC_%20FIL-84-2003_%20Independent%20Appraisal%20and%20Evaluation%20Functions.pdf * http://www.boj.or.jp/en/type/release/zuiji/kako01/data/fsk9812c.htm * http://www.boj.or.jp/en/type/release/zuiji/kako01/data/fsk9812c.htm * * Price Adjustment II价格调整 Trends of real estate price房地产价格趋势 Sales and transaction prices销售和交易价格 Information from neighbors邻近地区的信息 Information from experts, brokers, sales registries, and mortgage registries专家，经纪人，销售登记和抵押登记机构的信息 Income level of the area该地区的收入水平 Demand and supply conditions of the market市场的供求情况 Published land prices and tax rates公布的土地价格和税率 Regional development plan地区发展计划 Availability of mortgage loan/foreign land ownership是否存在抵押借款和外国土地所有权 * Price Adjustment III价格调整 Conditions of the property/nature of the surrounding area周边地区的房产/自然情况 Geographic conditions, such as, close to the coast, river, cliffs, or located on tilted land, in a dip, on the weak stratum 地理情况，例如，靠近海滩，河流，悬崖或者位于倾斜的土地上，地层不牢固。 Size of the real estate房地产的规模 Shape of the real estate房地产的形状 Location of the real estate in the block房地产在街区的具体位置 Accessibility to the public roads是否可以方便地到达公共道路 Accessibility to public and commercial facilities是否可以方便的到达公共和商业设施 Existence of unfavorable facilities是否存在不良设施 Municipal services available是否有市政服务 * Price Adjustment IV价格调整 Legal issues法律问题 Easements: restrictions, encumbrances, leases, reservations, covenants, contracts, declarations, special assessments, ordinances, or other items of a similar nature.地役权：限制，妨碍，租赁，保留，限制性条款，合同申明，特别估价，法令或者其他类似性质 “Eminent domain”: in common law countries, the government may have the rights to buy real property without the owner’s consent for the