發(fā)布時間：2018-05-13 11:33

  本文選題：寫字樓 + 抵押評估��； 參考：《湖南大學》2014年碩士論文

【摘要】：近年來中外資銀行競相推出經營性物業(yè)抵押貸款業(yè)務，從而產生了大量的商業(yè)房地產抵押評估業(yè)務，特別是寫字樓抵押評估，由于寫字樓不僅具有房地產的不可移動、價值量大、壽命長久、保值增值等一般特點，而且一般位置較佳，規(guī)模較大、具有良好的現金流入能力，因此其作為債權擔保形式已為越來越多的銀行等債權人所使用。但同時，寫字樓的市場價值受區(qū)域特征，建筑物特征，配套設施狀況及鄰里環(huán)境等多種因素影響，，以致寫字樓抵押價值的確定成為房地產估價中的一大難題。 本文采用定性分析與定量研究相結合的方法，從完善技術方法體系和實際應用的角度出發(fā)，對寫字樓抵押價值評估相關問題進行了較系統(tǒng)的研究，旨在提高寫字樓抵押價值評估的科學性和準確性，防范房地產抵押貸款風險，促進房地產估價技術的應用研究。首先結合房地產抵押評估的相關理論，深入分析了房地產抵押估價的特殊性。接著對寫字樓的定義、寫字樓抵押特殊性及寫字樓抵押過程中需注意的問題等方面進行分析。簡述了房地產抵押估價方法并探究了對寫字樓抵押評估的適用性。在這些理論的基礎上，筆者分析了月異寫字樓估價具體情況，選擇收益法、成本法綜合估算寫字樓價值。針對寫字樓特殊性對收益法、成本法估算過程進行詳細介紹，并著重分析了特征比較定價法、時間序列法求取收益、安全利率加風險調整系數法求取折現率、基準地價修正法求取土地價值及三種方法綜合確定開發(fā)利潤率。最后在估價結果處理時考慮了一般情況及估價報告期間抵押權實現的情況，得到了月異寫字樓抵押價值。
[Abstract]:In recent years, Chinese and foreign banks have been competing to launch commercial real estate mortgage loan business, which has resulted in a large number of commercial real estate mortgage assessment business, especially office mortgage evaluation, because office buildings not only have the immovable property, The value is large, the life is long, the value is increased and so on, and the general position is better, the scale is larger, and has the good cash inflow ability, so it has been used by more and more creditors such as the bank as the form of creditor's rights guarantee. But at the same time, the market value of office buildings is affected by many factors, such as regional characteristics, building characteristics, supporting facilities and neighborhood environment, so that the determination of office building mortgage value has become a major problem in real estate evaluation. Based on the method of qualitative analysis and quantitative analysis, this paper makes a systematic study on the evaluation of office mortgage value from the point of view of perfecting the system of technical methods and practical application. The purpose of this paper is to improve the science and accuracy of the evaluation of office mortgage value, to guard against the risk of real estate mortgage loan, and to promote the research on the application of real estate valuation technology. Firstly, the particularity of real estate mortgage valuation is analyzed with the relevant theory of real estate mortgage evaluation. Then the definition of office, the particularity of office mortgage and the problems needing attention in the process of office mortgage are analyzed. This paper briefly introduces the method of real estate mortgage valuation and probes into the applicability of office mortgage evaluation. On the basis of these theories, the author analyzes the concrete situation of the valuation of the Yueyi office building, chooses the income method and the cost method to estimate the value of the office building. According to the particularity of office space, the paper introduces the estimation process of income method and cost method in detail, and emphatically analyzes the characteristic comparison pricing method, time series method to obtain income, safe interest rate plus risk adjustment coefficient method to obtain discount rate. The land value and three methods are used to determine the development profit rate. Finally, the general situation and the realization of mortgage during the period of valuation report are taken into account in the processing of valuation results, and the mortgage value of monthly office buildings is obtained.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F299.233.42

【參考文獻】

相關期刊論文 前10條

1 劉洪玉;寫字樓物業(yè)的分類及其影響因素分析[J];北京房地產;1996年06期

2 崔宏;;基于銀行貸款安全目的的抵押資產評估理論與方法創(chuàng)新[J];金融論壇;2007年01期

3 鄭燕鳴,李啟明;房地產估價收益還原法中的折舊費探討[J];東南大學學報(自然科學版);2000年04期

4 劉桂良,招平;抵押資產價值評估方法的創(chuàng)新[J];系統(tǒng)工程;2004年09期

5 孟慶茹;;房地產估價方法淺析[J];黑龍江科技信息;2010年23期

6 張協(xié)奎,陳偉清;關于收益還原法公式的推導與運用[J];基建優(yōu)化;1997年03期

7 石振武;項昀;;關于房地產基本估價方法的探析[J];技術經濟;2006年01期

8 王麗梅;;抵押房地產的公開市場價值、抵押價值及變現價值[J];價值工程;2007年05期

9 袁媛;;基于改進的成本法的探討[J];價值工程;2011年16期

10 劉宇;楊開源;;房地產評估方法的選擇[J];科技經濟市場;2007年04期

本文編號：1882975