House asset valuation method

Abstract

The invention relates to a house asset valuation method, comprising the steps of dividing second-hand house valuation regions, and collecting house transaction prices of each residential area in the second-hand house valuation regions; determining residential area value influence factors; determining house feature influence factors; fitting a house feature valuation model; obtaining model parameter variables in batches; and calculating prices of to-be-valuated second-hand houses. According to the house asset valuation method provided by the invention, on the basis of transacted second-hand house history data, through combination of own attribute features of the second-hand houses, price valuation is carried out on the to-be-valuated second-hand houses, and the model fitting is carried outthrough computer assisted calculation, so a valuation result has relatively high accuracy, the valuation efficiency is greatly improved, and the social labor cost is greatly reduced. An algorithm model does not deep on subjective wishes of a valuator, a result is impartial, fair and efficient. According to a house batch price valuation algorithm, the house prices are valuated in real time and in batches, and the cost of each piece of valuation is reduced from thousands to dozens of yuan.

Description

technical field [0001] The invention relates to a housing asset valuation method. Background technique [0002] Traditional housing price assessment largely restricts the development of Internet finance in real estate. For example, online housing transactions require real-time generation of price assessment reports, and bank housing collateral risk management requires efficient and mass production of price assessments. [0003] Traditional housing price assessments are carried out by assessment agencies, and usually each assessment takes 3 to 4 working days, and a handling fee ranging from several thousand to tens of thousands of yuan is charged according to the assessed price of the housing. The entire evaluation process is not only time-consuming and expensive, but also often involves subjective inferences, and there are differences in the evaluation results caused by individual evaluators. There are artificial and uncontrollable factors in valuation range, value standar...

AI Technical Summary

Problems solved by technology

The entire evaluation process is not only time-consuming and expensive, but also often involves subjective inferences, and there are differences in the evaluation results caused by individual evaluators

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