在建工程抵押评估及其方法改进研究.pdfVIP

摘 要 摘 要 改革开放以来，随着我国土地使用制度和城镇住房制度的不断改革变化，房地产金 融市场也在逐渐壮大。住房贷款、房地产抵押贷款、房地产信托等房地产金融活动的盛 行，不仅将金融业与房地产业紧密结合起来，促进了资金流通，而且为金融机构拓展了 业务，为房地产业的发展提供了经济支持。房地产抵押贷款作为房地产金融活动的重要 组成部分，能够得以良好地运行，是以科学合理的贷款额度为基础的。而在建工程由于 自身的特殊性，使得其贷款额度的确定存在更多的困难，不合理的贷款额度容易给金融 机构带来较大的资金收回风险，所以，规范在建工程抵押评估，完善其评估方法和技术 是评估业面临的一个重要课题，关系到房地产金融市场的健康发展。 本文立足于当前我国在建工程抵押相关法律法规，详细地对在建工程抵押评估有关 内容进行论述，提出评估方法的改进意见，选取具体在建工程实例，采用改进后的评估 方法对其进行评估。首先说明目前该领域的研究现状、本文研究的内容及采用的研究方 法；其次从评估特点、评估对象及范围、评估目的及价值类型、评估时点及原则、抵押 价值影响因素等角度出发，对在建工程抵押评估作基本阐述；然后对在建工程抵押评估 方法进行改进，并按房地产类型对评估方法的应用加以说明；最后以JY在建工程为例， 应用前文所述方法，说明对在建工程进行抵押价值评估的基本过程。 关键词 在建工程 抵押评估 评估方法 I Abstract Abstract Since the reform and opening up, with the reform and change of the land use system and the urban housing system, real estate finance market is gradually expanding. Prevalence of housing loans, real estate mortgage loans, real estate investment trust and other real estate financial activities, not only the financial sector and real estate industry closely together to promote the circulation of funds, but also for financial institutions to expand the business, for the development of the real estate industry to provide economic support. Real estate mortgage loans as an important part of real estate financial activities, to be able to work well, is based on a scientific and reasonable loan limit. Construction in progress due to its specificity, making its determination of the loan limit is more difficult, and unreasonable loan limit easily bring greater financial risk to the financial institution to recover, therefore, the standardization on mortgage appraisal of construction in progress and the improvement of these a