Real Estate Collateral Valuation System

Abstract

A real estate collateral valuation system includes a retrieval module and a valuation analysis module. The retrieval module receives real estate query information for a piece of real estate collateral from a user device. Based on this information, it retrieves external transaction case information from the Ministry of the Interior's Real Estate Transaction Price Login Service Network and historical transaction information from an internal database. The valuation analysis module compares the real estate query information with the external transaction case information and historical transaction information. After sorting the information from high to low similarity, it performs price estimation and reasonable range analysis on the real estate collateral, generating a real estate valuation report which is then transmitted to the user device.

Claims

1. A real estate collateral valuation system, installed within a bank mainframe server, comprising a plurality of hardware modules consisting of a plurality of electrically connected hardware circuits, the hardware modules including: A retrieval module is communicatively connected to a staff member device, a Ministry of the Interior real estate transaction price registration and query service website, and an internal database. After receiving real estate query information for a piece of real estate collateral from the staff member device, it queries and retrieves external transaction case information from the Ministry of the Interior real estate transaction price registration and query service website and historical transaction information from the internal database based on the real estate query information. A valuation analysis module is communicatively connected to the retrieval module and the staff member device. It compares the real estate query information with the external transaction case information and the historical transaction information, and sorts them from high to low similarity. Based on the external transaction case information and the historical transaction information, the valuation analysis module performs price estimation and reasonable range analysis on the real estate collateral, generates a real estate valuation report, and transmits it to the staff member device.

2. The real estate collateral valuation system as described in claim 1, wherein the real estate query information includes the real estate address, search distance range, building type, main use or parking space type.

3. The real estate collateral valuation system as described in claim 2, wherein the retrieval module uses the address of the real estate collateral as the center and calculates the straight-line distance based on the search distance range to retrieve transaction cases within the straight-line distance from the Ministry of the Interior's real estate transaction price registration and query service website and the internal database.

4. The real estate collateral valuation system as described in claim 1, wherein the real estate valuation report includes information on the external transaction case, information on the historical transaction, valuation basis, valuation range or reasonable total price.

5. The real estate collateral valuation system as described in claim 1, wherein when the number of external transaction case information and the historical transaction information retrieved by the retrieval module are lower than a preset threshold, the search distance range will be expanded to conduct cross-regional case retrieval, or the query conditions will be relaxed to conduct alternative comparisons.

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