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Automated Valuation Models (AVMs) Explained
Modèlu valeur automatisée (AVM) mooy losisel biy xayma valeur marché bu ab moomel ci ay done yu melni dokimaa yu ñépp bokk, njaay yu bees yi ak leeral yiñ joxe ci kër gi, te kenn duko saytu.
Ci xët wii4 simili jàng
Résumé
AVM yi defar nañu ay lim yu melni Zestimate bu Zillow te lebalkat yi dañu leen di jëfandikoo ngir jël matuwaayi kër, di wottu portfëy bi ak xoolaat njëg yi. Loolu dafay tekki ni seen njub dafay tëral li jaaykat yi di xaar ak ni ñuy jëlee dogal ci leble.
Plongeur bu xóot
AVMs blend several techniques. Regression hedonic dafay jox njëg bu nekk ci man-man yi, lu ci melni meetar kaare, néeg, dayo lot bi ak barab bi. Index yiy baamtu njaay yi dañuy topp ni njëgi benn kër yi di soppeekoo ci diggante njaay yi, ba noppi jëfandikoo màgg gi ci njëgu njaay bu mujj bi ci ab moomel. Motëri njaay yuñ mëna méngale dañuy nuru li taxawaayu njëg yi di def ci wut njaay yu noonu mel ci seen wet. AVM yu bees yi dañuy faral di dugal téemeeri variable ci modeli jàngu masin yu melni garab yu am gradient wala reso neuronal, ñu bari dañuy boole model yu bari ci benn ensemble. Zillow dafa genne Zestimate ci 2006 ba noppi siiwal ay lim ci njuumteem ci digg bi. Jumtukaay yi ñoo gëna néew ci kër yiñ lim ngir jaay fi mu nekk, moo gëna néew ci kër yi nekk ci biti, ndax njëgu lim bi, nataal yu bees ak tegtal yi dañuy jox model bi leeral yu bees yu am doole. Jumtukaay bi ci digg bi dafay tekki itam ni genn-wàll ci kër yépp dañu dem lu ëpp loolu. Accuracy varies by market. Dëkkuwaay yu nuru yooyu ñuy faral di jaay ñoo gëna yomba xayma njëg. Moomel yi ci àll bi, dëkkuwaay yu amul fenn wala yu amul fenn, marse yu gaaw yi ak etaa yi ñu dul siiwal lu melni Texas, fu ñu bindul njëg yi ci mbooloo, ñoo gëna tar. Li ñu gëna bari luñu gëm mooy AVM mingi méngoo ak njëg. AVM mënul gis waañ wuñ yeesal, kaw bu yàqu wala tali bu bari xumbaay fileek loolu feeñul ci done yi. Gennug Zillow ci jënd kër ci 2021 dañu koy faral di wax ni ap artu la ci ni ñu jafee njëg kër yi ci algorithm su marse yi soppeekoo. Regulation has caught up. Ci atum 2024, jiroom benn agence federal tëral nañu sàrtu saytu kalite AVM, buy tàmbali 1 oktoobar, 2025, ngir ñiy sos hypotek ak emitëri marse bu ñaareel biy jëfandikoo AVMs ci dogal yi ñuy jël ci leble ci dëkkuwaay bu mag bi. Dafay laaj politik yuñ tëral ngir mëna wóolu xayma yi, aar ci njuuj njaaj ci done, moytu jafe-jafe ci ay entere, sàkku test ak xoolaat ci misaal yu bari, ak topp yoon wiy tere ñuy tàqale nit ñi. Jumtukaayi navigasioŋ yu konsomatër yu melni Zestimate nekkul ci biir.
njeextalu pexe
Tabax tànneef
Ni ñuy jëmmale aplikaasioŋ bi mooy wane ndax IA dafay gëna baaxal njariñ yi.
Ekip ak def liggéey
Integraasioŋ bu baax ci def liggéey dafay jur njariñu liggéey bu jëfandikukat yi mëna wóolu.
Risk ak kaaraange
Jëfandikoo bu jaar yoon dina wàññi coono coppite ak risku samp gi.
Ëlëgu modelu xayma njëg (AVMs) leeral nañu ko
Ak sàrtu seytu kalite bi am ci doole, leblekat yi dañuy gëna liggéey ci test AVM yiñ bind, tànneef jaaykat yi ak saytu yoon, boole ci ndax njuumte yi dañu wuute ci anam wu sistemik ci dëkkandoo yi. Xaarandi yeneen valuation hybrid, fu AVM boole ak ab vizite buy dajale ay done wala ab appréciation desktop, moo gën ñu toxu ci model yi kese. Xayma yi konsomatër yi di def dina ñu gëna yokk ndax limu nataal yi ak done yi ci moomel dañuy gëna riis. Loolu terewul, dina ñu gëna néew luñu mëna wóolu ci kër yu wuute, marse yu sew ak barab yu njëg yi ñépp xamul, te jëndkat wala jaaykat bu moytu daf leen wara jàppee ni poñ bu ñuy tàmbalee.
Doxal ci àdduna dëgg
Boroom kër xool na Zestimate ak Redfin Estimate balaa muy woo agent yi, mu gis ni dañu wuute ci fukki junni dolaar, ndax model bu nekk dafay jëfandikoo done yu wuute, pexe ak waxtu yeesal.
Leblekat biy nangu benn ligne de crédit bu ndaw ci kër, dafay wéeru ci valeur AVM biy ñëw ak poñ yu bari ci wóolu sa bopp, moo gën ñu santaane appréciation bu mat sëkk, loolu mooy sakkanal leblekat bi jot ak fere.
Ab serwiis hypotek dafay xoolaat portfëyam bi yépp weer wu nekk ak AVM ngir mëna topp ratios leble-ci-valeur ak gis dëkkuwaay yi njëg yuy daanu di yokk risk.
Ab xoolaatkat buy xool ab rapoor bu am valeur bu ëppu AVM's range ba noppi laaj appraiser bi mu leeral lu tax seen njaay buñu tann diko méngale ak limu gëna rëy.
Risk yi ak balustrade yi
Otomatise procédure bu yàqu mën na yokk jafe-jafe yi fi nekk.
Ekip yi mën nañu otomatise lu ëpp ba noppi dindi àtteb nit ñi.
Kalite mën na wàññeeku sudee duñu wéy di jàngat li ñuy génne.
Roadmap ngir samp gi
Defal kàrt ni liggéey bi di doxee leegi nga ràññee jéego bi gëna am jafe-jafe.
Mandargal barabu saytu nit balaa otomatisasioŋ bu mat sëkk.
Taggat jëfandikukat yi ci ay laaj, yooni eskalaasioŋ ak seeni sàrti kalite.
Toppal njariñu niveau liggéey bi ngir firndeel valeur buy wéy.
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Laaj yi ñuy faral di laaj
Luy Modèle de valeur automatisée (AVMs)
Modèlu valeur automatisée (AVM) mooy losisel biy xayma valeur marché bu ab moomel ci ay done yu melni dokimaa yu ñépp bokk, njaay yu bees yi ak leeral yiñ joxe ci kër gi, te kenn duko saytu. AVM yi defar nañu ay lim yu melni Zestimate bu Zillow te lebalkat yi dañu leen di jëfandikoo ngir jël matuwaayi kër, di wottu portfëy bi ak xoolaat njëg yi. Loolu dafay tekki ni seen njub dafay tëral li jaaykat yi di xaar ak ni ñuy jëlee dogal ci leble.
Lan moo waral njuumte Zestimate bi gëna ndaw ci kër yiñ lim ngir jaay fi mu nekk nii, moo gëna néew ci kër yi nekk ci biti?
Buñu lim kër gi ba noppi, njëgu limu kër gi ak leeral yi ci nekk dañuy nekk model inputs. Dañu yor leeral yu bari ci valeur courant, moo tax xayma bi dafay gëna tar.
Ban pexem AVM mooy jël coppite njëgu kër yiñ jaay lu ëpp benn yoon ba noppi jëfandikoo màgg gi ci njëgu jaay bu mujj bi ci ab moomel?
Index yiy baamtu njaay yi dañuy natt njëgu kër gi ci jëfandikoo benn moomel buñ jaay ci jamono yu wuute, ba noppi ñu wane njëgu njaay bu mujj bi ci kër gi.
Kañ la sàrt federal biy saytu kalite AVM ngir ñiy sos hypotek yi ak ñiy joxe ñaareelu marse bi tàmbalee di dox?
Agence yi tëral nañu sàrt yi ci 2024 ba noppi ñu tëral ko mu tàmbali di dox ci 1 oktoobar, 2025.
Lan moo waral AVMs yi gëna néew luñuy dëggu ci Texas niki yeneen etaa yi?
Ci réew yi duñu fësal, model bi amul xëyma ci njëgi njaay yi, siñaal bi gëna am solo ci tàggat, moo tax xayma yi dañuy gëna bari njuumte.
Benn jaaykat dafa wax ni deviation standard bi dafay tollu ci 10 pursaa ci xayma buy tollu ci $400,000. Bu ñu jàppee njuumte yu jaadu, loolu lan lay tekki?
Benn deviation standard ci xayma bi dafay muur lu tollu ci ñaar ci ñetti paccu njariñ yi ci suufu séddale bu jaar yoon, kon yokk wala wàññi 10 pursaa ci $400,000 dafay joxe lu tollu ci $360,000 ba $440,000.
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