Quy trình định giá bất động sản thế chấp là nhà ở tại Techcombank

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Trong lĩnh vực cho vay thế chấp, công tác định giá bất động sản thế chấp, quản lí và xử lí bất động sản thế chấp là những công tác cơ bản quan trọng nhất. Căn cứ vào đó, ngân hàng sẽ xác định được mức cho vay hợp lý, vừa đáp ứng nhu cầu vốn của khách hàng, vừa đảm bảo khả năng thu hồi vốn khi khách hàng không thể trả nợ và buộc ngân hàng phải phát mại bất động sản.

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F"'X)*.,1'"&/ 7 27**.&2* "'i"+*/;3- $./?+ Mn/( WjT F2*X)$2* 2*,-3- $. TT*.A'- 2*":(E+*.&2 !*@7#M1'*+ $.A'- 2*( WjT F@'2X)*.,+ i1'"&n*&*@7"+ '@ !( 530%$0=C@= WE-/DXt:?** , *. ';'1'#H'3- $.-*&  !0T.!(EO* , &. !  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E."/';1' .3.*":. "'3.*".*+3.*"  !"#S#$%&'()*$+,  vN'@i3.* ."383- $.- >38:?-3- $. %'@i'X u.-3- $.  ."3.*0T. ! L!/';1' (N n';/I33.* ."383- $ .-*Q3.*/538.3@?3 N,1'/I3- $.  '/"3.* ." y/I3@?33.*/5383- $. !3@?33.*/538./ *:3.*/5.'O*1' /';9N"(P@3.*/5Z !3.*/538. '$#H'":(N'3@3.*/5/B?F2T: 3.*/5.'O*1' t';B?F2T 1' 9N"( o1'G2T -.i/ - ,  '/"3.* ."O*1' /';:-3.*/5 C .1'G2T - .i/ - , H.i/ -1'G2T - :B?F 2T;-3.*/5.,.J1'./F.*1' :*AG/D. , 'C!'&. !( 45WX<!")8FF!" vP@ Wu&2T#*/!/!?L3- $.- W)*'@*"!3- $.-',n';*Q /';1'  Wz@'%'H3- $.-/@1' 3- $ .3C+'3- $.--3- $. 3"-n;/+3- $.-3- $.*  !"#T#$%&'()*$+, [...]... l ca nh Trng hp bt ng sn nh cha c cp giy chng nhn quyn s dng t thỡ khỏch hng phi np giy t nh quyt nh giao t, hp ng thuờ t, giy np tin s dng t Trong nh giỏ bt ng sn nh , thụng thng cn nh giỏ quyn s dng t, iu ny c quy nh trong Ngh nh s 178/1999/N-CP v bo m tin vay v quyt nh ca Tng giỏm c ngõn hng Techcombank, Techcombank quy nh iu kin th chp giỏ tr quyn s dng t nh sau: - t c Nh nc giao cho h gia ỡnh,... khụng tớnh giỏ tr quyn s dng t; - Trng hp th chp giỏ tr quyn s dng t m ngi thuờ t c min, gim tin thuờ t theo quy nh ca phỏp lut, thỡ giỏ tr quyn s dng t th chp c tớnh theo giỏ tr thuờ t trc khi c min, gim - Vic th chp giỏ tr quyn s dng t m trờn t cú ti sn gn lin, thỡ giỏ tr ti sn bo m tin vay bao gm giỏ tr quyn s dng t v giỏ tr ti sn gn lin vi t - Giy t gc liờn quan n bt ng sn nh do Techcombank nm gi... trong tng lai gn m rng quy mụ, s lng chuyờn viờn nh giỏ, ngy cng vng vng v chuyờn mụn II Quy trỡnh cho vay th chp bng bt ng sn l nh ti Techcombank Ngõn hng thng mi c phn k thng Vit Nam Techcombank l mt trong nhng ngõn hng hng u Vit Nam v nh giỏ bt ng sn th chp cú c nhng thnh cụng nht nh trong lnh vc nh giỏ bt ng sn ngõn hng ó cú quy trỡnh nh giỏ tng i hon ho Nhỡn chung, trong quy trỡnh nh giỏ bt ng... GVHD: TS Nguyn Th Phỏn CHNG II THC TRNG QUY TRèNH NH GI BT NG SN TH CHP L NH TRONG HOT NG CHO VAY TI NGN HNG TECHCOMBANK I- Khỏi quỏt tỡnh hỡnh hot ng ca ngõn hng Techcombank 1 Lch s hỡnh thnh v phỏt trin ca ngõn hng Techcombank Ngõn hng Techcombank thnh lp ngy 27 thỏng 9 nm 1993 Ngõn hng thng Techcombank l mt trong nhng ngõn hng thng mi c phn u tiờn ca Vit Nam, c thnh lp trong bi cnh t nc ang chuyn... NG SN K47 Chuyờn tt nghip GVHD: TS Nguyn Th Phỏn Nhõn viờn trong h thng ngõn hng Techcombank cú trỡnh cao, chuyờn nghip bi Techcombank nhn thy tm quan trng ca nhõn s trong vai trũ nũng ct to nờn sc mnh ca ngõn hng nờn Techcombank luụn quan tõm n vn qun tr nhõn s 2 Chc nng v nhim v Ngõn hng thng mi c phn k thng Vit Nam Techcombank l ngõn hng thng mi ụ th a nng Vit Nam, cung cp sn phm ti chớnh ng b,... Xỏc nh nhng rng buc, hn ch trong xỏc nh i tng nh giỏ, chỳ ý phự hp vi quy nh ca phỏp lut v quy nh hin hnh khỏc cú liờn quan - Xỏc nh thi im nh giỏm ngun d liu cn thit cho nh giỏ - Xỏc nh c s giỏ tr ca bt ng sn, phi phự hp vi nhng quy nh ca lut phỏp hin hnh v cỏc vn bn quy phm phỏp lut do c quan nh nc cú thm quyn ban hnh 4.2 Lp k hoch nh giỏ: Bao gm s lng cụng vic phi hon thnh, thi gian thc hin cụng... dngthỡ vic qun lớ bt ng sn th chp bao gm nhng vic sau õy: T chc tớn dng gi giy t s hu ca ti sn, giy chng nhn quyn s dng t, ng kớ th chp ca c quan nh nc cú thm quyn v vic kim tra trong thi gian th chp, bo him ti sn th chp Kim tra tớnh phỏp lớ ca ti sn th chp v gi giy chng nhn quyn s dng t v quyn s hu nh cng nh cỏc giy t ti sn khỏc õy l vic lm ht sc cn thit, giỳp ngn chn c cỏc hnh vi nh: chuyn, nhng,... thy sn, lm mui; t ; t chuyờn dựng; t m t chc kinh t nhn chuyn nhng quyn s dng t hp phỏp t ngi khỏc hoc c Nh nc giao cú thu tin s dng t m tin s dng t hoc tin nhn chuyn nhng quyn s dng t ú khụng do ngõn sỏch Nh nc cp; t m h gia ỡnh, cỏ nhõn nhn chuyn nhng quyn s dng t hp phỏp t ngi khỏc hoc c Nh nc giao cú thu tin s dng t, thỡ giỏ tr quyn s dng t th chp c xỏc nh theo giỏ t ca U ban nhõn dõn tnh, thnh... Phỏn 4 Quy trỡnh nh giỏ bt ng sn Tựy tng iu kin, hon cnh m ngi nh giỏ sp xp, lờn k hoch cú quy trỡnh nh giỏ phự hp v hiu qu nht Nhỡn chung, quy trỡnh nh giỏ gm cỏc bc: 4.1 Xỏc nh cỏc vn cn nh giỏ - Xỏc nh cỏc c im c bn v phỏp lớ, kinh t k thut ca bt ng sn cn nh giỏ - Xỏc nh mc ớch nh giỏ trờn c s mc ớch v yờu cu ca khỏch hng - Xỏc nh nhng rng buc, hn ch trong xỏc nh i tng nh giỏ, chỳ ý phự hp vi quy. .. ng sn núi chung Di õy, chỳng ta s i vo xem xột quy trỡnh cho vay th chp bng bt ng sn nh 1 Tip nhn h s nh giỏ bt ng sn nh 1.1 Tip nhn h s khỏch hng Chuyờn viờn khỏch hng tip nhn h s bt ng sn th chp l nh t khỏch hng v kim tra h s Nh em th chp phi cú y h PHM BCH H - 34 - KD BT NG SN K47 Chuyờn tt nghip GVHD: TS Nguyn Th Phỏn s chng minh quyn s hu, quyn s dng hp phỏp ca ch ti sn i vi nh ú hoc cỏc

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Quy trình định giá bất động sản thế chấp là nhà ở tại Techcombank

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