<p><span style="display: inline !important;"><span style="font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="font-family: 微软雅黑; font-size: small;">&nbsp;不良资产处置中，住宅类房地产是抵押处置中最常见的抵押物，如何让这些抵押物实现最高价值回收，是一门学问。</span></span><span style="font-family: 微软雅黑; font-size: small;"><br></span></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;">一、主要评估思路</spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;抵押住宅的回收问题，首先要判断<span style="font-weight: bold;">抵押的有效性</span>，其次依据不同的回收方案对抵押住宅进行<span style="font-weight: bold;">估值和回收时间分析</span>，并结合不同回收方案下影响住宅资产变现的主要因素，<b><span style="font-weight: bold;">判断其可能的回收金额和回收时间</span>。</b></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;借款人已经违约的情境下，<span style="font-weight: bold;">对于债权人来说，抵押的住宅主要通过以下几种途径实现价值回收：</span></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p><span style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.</span><span style="font-weight: bold;">与抵押人协议：</span><span style="display: inline !important;">以抵押住宅折价或者拍卖、变卖抵押物清偿借款人的银行贷款。</span></span></p><p><span style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.协议失败情况下，作为债权人的银行可通过</span><span style="font-weight: bold;">法律诉讼的方式申请强制执行抵押资产</span><span style="display: inline !important;">。</span></span></p><p><lipingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" #262626"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.<span style="font-weight: bold;">其他情况：</span>抵押权人会同意债权人(银行)通过<b>非诉讼的方式处置抵押资产</b>，或者在住宅类房产所有权人为企业(借款人)的情况下，借款人可能<b>通过引入第三方机构进行资产收购</b>的方式。借款人住宅类房产可能与其他资产一并作价转让给收购方，此时住宅类房产价值取决于收购协议安排。&nbsp;</lipingfang></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;">二、抵押住宅有效性评价</spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;有效的住宅抵押至少应符合以下几方面特征：</ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p><span style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="font-weight: bold;">第一，抵押人应具备相应的民事权利能力和民事行为能力。</span></span></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span>第二，抵押房产符合法律规定，且权属清晰。</spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;"><br></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p style="text-align: center;"><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;"><img src="https://fapai-public.oss-cn-beijing.aliyuncs.com/pic/20191010/1570676781125506.jpeg"><br></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;下列房产不得抵押：</spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;权属有争议的房地产；&nbsp;<lipingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" #262626"="">用于教育、医疗、市政等公共福利事业的房地产；&nbsp;<lipingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" #262626"="">列入文物保护的建筑物和有重要纪念意义的其他建筑物；&nbsp;<lipingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" #262626"="">已依法公告列入拆迁范围的房地产；&nbsp;<lipingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" #262626"="">被依法查封、扣押、监管或者以其他形式限制的房地产；&nbsp;<lipingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" #262626"="">依法不得抵押的其他房地产。</lipingfang></lipingfang></lipingfang></lipingfang></lipingfang><b><br></b></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><b><span style="font-weight: bold;">权属清晰是指抵押人对抵押房产具有合法、完整、无纠纷的所有权和充分的处置权</span>。</b>比如违建房屋抵押无效，部分产权的房产如经济适用住房、职工以标准价购买的公有住宅等在处置时会受到一定限制，可能存在共有产权的一方处置房产而其他共有人不同意等情况。</ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="font-weight: bold;">对于建成的住宅房产抵押</span>，遵循“房随地走、地随房走、房地一体”的原则，即房子和其所占用的土地只抵押其一。另外资产视同一并抵押，但如果存在抵押的土地权证面积大于建筑物占用土地面积，应同时办理土地抵押登记和房产抵押登记。</ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="font-weight: bold;">对于抵押的在建住宅</span>，应为合法建设且办理抵押登记手续，对于建设用地使用权抵押的，地上新增建筑物不属于抵押财产，处置时需土地和建筑物一并处置，但土地的抵押权人对新增建筑物的变现价值无优先受偿权，如为划拨用地抵押需经县级以上政府土管部门批准。</ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="font-weight: bold;">第三，抵押合同以书面形式订立，且合法有效，抵押权依法设立，且处于法律诉讼时效内。</span></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;伪造的抵押合同或虚假的抵押登记，不具有法律效力；</ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;住宅等不动产抵押只有办理了抵押登记手续，抵押权才设立；</ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;法院对于超过主债权诉讼时效的抵押权不予保护，如果作为抵押权人的银行超过主债权诉讼时效行使抵押权，此时抵押权已丧失司法保护，导致抵押权难以实现；</ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;如果存在抵押合同内容与抵押登记内容不一致的情况，以抵押登记内容为准。</ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><br></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p style="text-align: center;"><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><img src="https://fapai-public.oss-cn-beijing.aliyuncs.com/pic/20191010/1570676750125505.jpeg"><br></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;"><br></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"="" style="font-weight: bold; font-family: 微软雅黑; font-size: small;">三、抵押住宅回收价值评估</spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;抵押住宅的回收价值不同于正常市场条件下的市场价值，回收价值是在企业或个人无法清偿债务时，被申请破产清算或资产强制执行变现的情境下，以抵押资产在未来较短期限内实现的价值清偿债务。</ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;多数地区法院强制执行的房产需买受人在很短的时间内全款支付，使其受众有限，处置时需考虑价值折损。抵押住宅回收价值评估实际上是对其在强制变现情景下处置价值的评价，但有时回收价值分析又依托于正常市场情境下价值形成的判断。</ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;正常市场情境下，对于不同类型房地产估值而言，<span style="font-weight: bold;">常用的评估方法主要有市场法、成本法、受益法等</span>。住宅受益于交易市场较为活跃、可比案例较多，通常适用于市场法。</ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><b>市场法</b>是“选取近期在正常市场条件下，交易双方自愿、公平达成交易的相似案例的单价(如周边相似情况的二手房成交价)作为受评抵押房产的基准单价，在此基础上考虑必要的价格修正，得出受评房产最可能的价值。特殊情况下，如景区内用于出租的别墅，周边没有可供参考的市场可比案例，可以考虑采用租金法估值。”</ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;遵循上述思路，对于抵押住宅回收价值的判断，<span style="font-weight: bold;">较为理想的情况是可以获取近期相似案例的司法拍卖成交价格，作为受评抵押房产的基准单价</span>，在此基础上考虑必要的价格修正和变现过程中影响因素的调整，得出受评房产最可能的回收价值。</ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<span style="font-weight: bold;">&nbsp;</span></span><b><span style="font-weight: bold;">次优方案为获取近期正常市场情景下相似案例的成交价格或者司法拍卖流拍价格</span>。</b>一般来说，由于所处的市场环境、成交方式等的不同，正常市场价格会高于相似房产司法拍卖成交价格，而相似房产的司法拍卖流拍价可能存在价格虚高的问题，而高于司法拍卖成交价格，因此无论是近期正常市场情景下的成交价格还是司法拍卖流拍价格，均需要考虑其与司法拍卖成交价格之间的差异。</ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p style="text-align: center;"><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><img src="https://fapai-public.oss-cn-beijing.aliyuncs.com/pic/20191010/1570676732125504.jpeg"><br></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><b><span style="font-weight: bold;">选取相似案例，确定基准单价时</span>，</b>主要考虑：位置相近；用途相同；结构相同，根据选取的可比案例与受评抵押房产在面积、朝向、户型、楼层、剩余使用年限、装修情况、物业管理、周边配套等方面的差异，对基准单价进行修正，得出受评抵押房产的修正单价，再考虑变现过程中影响因素的调整，进而得出受评抵押房产最可能的回收价值。</ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;"><span style="display: inline !important;">&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="font-weight: bold;">在建住宅：通常情况下，</span><b><span style="font-weight: bold;">可按照建成后可能的销售单价乘以建筑面积，得到假设开发完毕的销售价值</span>，</b>考虑基于目前建设进度估算后续可能发生的建设投入、相关税费、预期利润空间等因素影响及变现过程中影响因素的调整，最终得出在建住宅可能的回收价值。</ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc="" semibold';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><spanpingfang sc';="" font-kerning:="" none"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"=""><ppingfang sc';="" color:="" #262626;="" -webkit-text-stroke:="" background-color:="" #ffffff"="" style="font-family: 微软雅黑; font-size: small;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;此外，极少数情况下，抵押住宅可能已经完成拍卖流程但尚未进入分配程序，此时拍卖价值应作为抵押房产的变现价值，考虑扣除必要的税费，及其他可能发生的优先扣减的金额后作为抵押住宅的回收价值。</ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></ppingfang></spanpingfang></ppingfang></p><p></p><p></p>