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抵压贷款是确保信贷资产安全的一项有效措施。但在目前办理抵押贷款资产评估的实际工作中,存在不少问题,制约了抵押贷款的推广。 1、管理部门多,手续繁琐。(1)用土地使用权抵押时,土管部门规定抵押人要向土管部门提出申请,同时提供土地使用权证、土地平面图及其房屋产权证,待土管部门进行估价,颁发抵押许可证后,抵押人(企业)才能与抵押权人(银行)签订土地抵押合同。(2)用房屋及建筑物抵押时,需要到房产市场管理部门,进行房屋及建筑物估价,分别进行登记并要把房地产权证(正本)交给房地产市场管理部门监证、保管。(3)继土地、房管部门之后,机电设备、商检、银行等管理部门也出台了抵押贷款评估及管理办法,使被评估单位进行资产评估时,需聘请多家评估机构,重复评估,增加了企业负担。(4)对办理的所有
Pressuring loans is an effective measure to ensure the safety of credit assets. However, there are still many problems in the practical work of assessing the assets of the mortgage loan at present, which restricts the promotion of the mortgage loan. 1, management departments, procedures cumbersome. (1) When mortgaging a land use right, the mortgagor shall require the mortgagor to apply to the land administration department and provide the land use right certificate, the land plan and the building ownership certificate. After the land administration department evaluates and issues the mortgage license, the mortgagor (Business) to sign the land mortgage contract with the mortgagee (bank). (2) When mortgaging with houses and buildings, it is necessary to go to the real estate market management department to conduct valuation of houses and buildings, register separately and give the real estate ownership certificate (original) to the real estate market management department for supervision and custody. (3) Following the land and house management departments, the management departments of mechanical and electrical equipment, commodity inspection and banks also introduced the mortgage loan evaluation and management measures so that when assessing the assets of the unit being evaluated, it is necessary to employ a number of assessment agencies to repeat the assessment and increase the Business burden. (4) All for handling