A data processing system and a data processing method for house property evaluation

Abstract

The invention belongs to the field of house property valuation and discloses a data processing system and a data processing method for house property valuation. A massive data acquisition module is connected with a massive data screening module, the massive data screening module is connected with a database, a field investigation input module is connected with a housing condition investigation transmission module, the database and the real estate condition investigation transmission module are all connected with a premium estimation module, a cost estimation module and a discount estimation module, and the premium estimation module, the cost estimation module and the discount estimation module are connected with an analysis module, and the analysis module is also connected with a market prediction module and a customer feedback module. The system and the method of the invention are simple and easy to use, the resource information adopted is more comprehensive than the existing manual mode, and the evaluation result is more objective and true, and the system has very important application values.

Description

technical field [0001] The invention relates to the technical field of real estate valuation, in particular to a real estate valuation data processing system and a data processing method thereof. Background technique [0002] Since the bank started the personal housing loan business, quite a lot of residential real estate has been used as collateral, and real estate is the most important collateral of the bank, as the second source of loan repayment and an important way of risk mitigation. Under the specific credit environment of our country, the valuation of these collaterals has become an irreplaceable and important way to prevent information asymmetry and control the risk of default. [0003] At present, banks usually use external evaluation agencies to value real estate, which not only requires a lot of money, but also has problems in the collection of real estate transaction data due to the general geographical limitations of these external evaluation agencies. The cov...

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Problems solved by technology

[0003] At present, banks usually use external evaluation agencies to value real estate, which not only requires a lot of money, but also has problems in the collection of real estate transaction data due to the general geographical limitations of these external evaluation agencies. The coverage is not wide, and the data update is not timely, so the data cannot be analyzed in time

Moreover, these external evaluation agencies mainly rely on human experience to conduct valuations, and there are too many subjective factors. The consequence is that the valuation results are not a reflection of the real collateral value.

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