Mortgage crediting
Категория реферата: Топики по английскому языку
Теги реферата: конспекты уроков в 1 классе, вид курсовой работы
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Рефераты | Топики по английскому языку | Mortgage crediting |
Кф=Кс/О |
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9 |
Profitability of enterprises(Рп)- shows the share of net profit (Пч), which falls on one rouble of active currency of balance (А) |
Рп=Пч/А |
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10 |
Turnover of assets(Оа) or current assets (Оат)-characterizes the speed of turnover of all or current assets |
Оат=Р/Ат P-earnings without special tax |
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11 |
Profitability of realized production, works, services(Рпр)reflects net profit from each rouble of realized production, works, services |
Рпр=Пч/Р |
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12 |
Profitability of own capital(Рк)- shows the result of financial economic activity, the profit received on invested capital |
Рк=Пч/Кс |
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13 |
Investments profitability(Ри)- certifies effectiveness of means using, invested into enterprise. |
Ри=Пб/(В-Ок) |
The presented range of indices is sufficient for estimation of financial economic activity of the enterprise. It is naturally, that for answering the question better or worse the enterprise works in the reported period the dynamics of the presented indices are necessary.
2.2.2. Value appraisement of real estate in pledge
The mortgage gives the creditor the right to collect and to sell the property of the borrower in the case of non-payment of indebtedness in the time of fulfillment of the obligation. That it is necessary to estimate the value of the property of the borrower more correctly, chousing more appropriate methods of a valuation.
Accordance with the legislation of the Russian Federation upon agreement of the mortgagor and the mortgagee (observing the provisions of Article 67 of Federal Law “ On Mortgage” in the event of mortgage of a land plot); the appraised value shall be stated in the mortgage agreement in monetary form.
The parties to the mortgage agreement may entrust appraisal of the subject of mortgage to an independent professional organisation.
Value appraisement of real estate in pledge depends on thee factors: real estate prime cost, profitability and location. Taking into consideration foreign experience in hypothecary crediting in value appraisement of real estate mainly three methods can be used: expendable method, comparative method and profitable method. Expendable method is based in studing investors’ possibilities in buying real estate in this case one must take into consideration that the prudent investor would not pay for the object a higher price than the price which he could pay if he taken the appropriate land for development and for constructing the analogical building in function and quality and without great delays in near future.
This method is useful for our country. It can be used if there is not enough information about comparative sales that is this method can be in passive markets. At the same time using of the expandable method as the main method in value appraisement of real estate stimulates a sharp rise in prices of real and it doesn’t give real market value of the object.
In value appraisement of real estate of the market value of the building the building is compared with analogical buildings soft before, which actual market value is well know. But in this case we must take into consideration a number of factors correcting the value appraisement. These factors are location of the building, ecological situation, remoteness of the industrial works, closeness of health and cultural centers, communication network. The value appraisement depends also on architectural peculiarity, the style of building, the type of construction, the disposition of the rooms, hidden defect in building. The problem of value appraisement is finally decided by modeling as market price is in the base of the value appraisement. /13/
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