苏州市职业大学学报
囌州市職業大學學報
소주시직업대학학보
JOURNAL OF SUZHOU VOCATIONAL UNIVERSITY
2013年
4期
40-44
,共5页
住房反向抵押%定价模型优化%算例分析
住房反嚮牴押%定價模型優化%算例分析
주방반향저압%정개모형우화%산례분석
housing reverse mortgage%pricing model optimization%example analysis
国内现有住房反向抵押贷款产品定价模型存在两方面不足：一是未考虑土地剩余使用权年限的减少会导致房地产价值降低，二是房地产折旧额的计算中错误地以房地产整体价值而非以建筑物价值为基数.鉴于此，重建了更符合我国实情的住房反向抵押贷款产品定价模型，经过案例测算得出：现有模型的定价结果比新建模型的定价结果约高出17.5%.
國內現有住房反嚮牴押貸款產品定價模型存在兩方麵不足：一是未攷慮土地剩餘使用權年限的減少會導緻房地產價值降低，二是房地產摺舊額的計算中錯誤地以房地產整體價值而非以建築物價值為基數.鑒于此，重建瞭更符閤我國實情的住房反嚮牴押貸款產品定價模型，經過案例測算得齣：現有模型的定價結果比新建模型的定價結果約高齣17.5%.
국내현유주방반향저압대관산품정개모형존재량방면불족：일시미고필토지잉여사용권년한적감소회도치방지산개치강저，이시방지산절구액적계산중착오지이방지산정체개치이비이건축물개치위기수.감우차，중건료경부합아국실정적주방반향저압대관산품정개모형，경과안례측산득출：현유모형적정개결과비신건모형적정개결과약고출17.5%.
There are two shortages in the existing reverse mortgage pricing model in China.Firstly,it fails consider the fact that the residual life reduction of land use right will reduce real estate value.Secondly,the measurement base of real estate depreciation is the overall real estate value rather than the value of buildings, which is wrong.In view of this,this paper reconstructs the reverse mortgage pricing model which is more suitable for the particular conditions of our country.By the example analysis,we find the pricing result of the existing model is about 20%higher than that of the new model.
