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Valorização automática de imóveis urbanos através da interpolação de dados comparativos geoespaciais raster
| Name: | Description: | Size: | Format: | |
|---|---|---|---|---|
| 54.21 MB | Adobe PDF |
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Abstract(s)
Os financiamentos de imóveis residenciais do Banco do Brasil envolvem hoje avaliações de
imóveis que são executadas presencialmente por engenheiros e arquitetos credenciados pelo
Banco do Brasil, para a realização de serviços de vistorias e elaboração de laudos técnicos de
avaliação. Essas avaliações abrangem tempo e custo considerável para a execução, uma vez que
demandam estudos para preparação do laudo e freqüentes deslocamentos, além da hospedagem
por parte de credenciados. Considerando as centenas de milhares de dados completos de imóveis
residenciais que o Banco sempre teve das operações antigas, um método de valoração remota
utilizando fotos de satélite, informações georreferenciadas de imóveis, modelos geoestatísticos
e ferramentas de websig possibilitaria uma avaliação rápida, com qualidade, dentro das normas
técnicas, e até dez vezes mais barata, possibilitando que os próprios engenheiros e arquitetos do
Banco apurem o valor dos imóveis residenciais, a partir da análise de dezenas de modelos com
boa acurácia que informem o valor unitário de cada tipologia de imóvel em dezenas de cidades
brasileiras, visando diminuir o tempo e o custo do processo de avaliação para o Banco e o cliente,
principalmente no que tange aos imóveis populares subsidiados em futuros programas do
Governo Federal, a partir de 2023, com o retorno do Presidente Lula, e do Programa Minha Casa
Minha Vida, possibilitando milhões de economia anuais ao Banco, ao governo federal e ao povo
brasileiro, este último, o verdadeiro dono do Banco do Brasil, resgatando o valor de espírito
público, presente na missão do Banco, garantindo a função social que os bancos públicos devem
representar em um dos países com o maior desequilíbrio social do mundo. Esta dissertação
possibilitará resultados de milhões de euros de economia ao Banco do Brasil, mas que também
deverá ser revertido ao Governo Federal, e ao povo brasileiro, maior acionista e verdadeiro dono,
deste patrimônio chamado Banco do Brasil, criado pelo digníssimo Rei Português Dom João VI,
em 1808, sendo a empresa mais antiga do Brasil, e sempre ao serviço do Povo Brasileiro, como
nunca antes na história desse país.
Banco do Brasil's residential property financing currently involves real estate appraisals that are executed by engineers and architects accredited by Banco do Brasil, to carry out inspection services and prepare technical appraisal reports. It´s necessary much time and cost for these appraisals, and they demand studies for the preparation of the report and frequent displacements, in addition to accommodation by accredited professionals. Considering the hundreds of thousands of complete residential property data that the Bank has from past operations, a remote valuation method using satellite photos, georeferenced property information, geostatistical models and webgis tools would enable a quick, quality valuation within technical standards, and up to ten times cheaper, allowing the Bank's engineers and architects themselves to determine the value of residential properties, based on the analysis of dozens of models with good accuracy that inform the unit value of each property typology in dozens of Brazilian cities, aiming to reduce the time and cost of the evaluation process for the Bank and the client, especially with regard to popular properties subsidized in future Federal Government programs, starting in 2023, with the return of President Lula, and the “My Home My Life Program”, enabling millions of annual savings to the Bank, the government and to the Brazilian people, the latter, the true owner of Banco do Brasil, rescuing the value of public spirit, present in the Bank's mission, resurrecting the social function that public banks should represent in one of the countries with the greatest social imbalance in the world. This dissertation will make possible results of millions of euros of savings to Banco do Brasil, but which should also be reverted to the Federal Government, and to the Brazilian people, the largest shareholder and true owner, of this heritage called Banco do Brasil, created by the dignified Portuguese King Dom João VI, in 1808, being the oldest company in Brazil, and always at the service of the Brazilian People, as never before in the history of that country.
Banco do Brasil's residential property financing currently involves real estate appraisals that are executed by engineers and architects accredited by Banco do Brasil, to carry out inspection services and prepare technical appraisal reports. It´s necessary much time and cost for these appraisals, and they demand studies for the preparation of the report and frequent displacements, in addition to accommodation by accredited professionals. Considering the hundreds of thousands of complete residential property data that the Bank has from past operations, a remote valuation method using satellite photos, georeferenced property information, geostatistical models and webgis tools would enable a quick, quality valuation within technical standards, and up to ten times cheaper, allowing the Bank's engineers and architects themselves to determine the value of residential properties, based on the analysis of dozens of models with good accuracy that inform the unit value of each property typology in dozens of Brazilian cities, aiming to reduce the time and cost of the evaluation process for the Bank and the client, especially with regard to popular properties subsidized in future Federal Government programs, starting in 2023, with the return of President Lula, and the “My Home My Life Program”, enabling millions of annual savings to the Bank, the government and to the Brazilian people, the latter, the true owner of Banco do Brasil, rescuing the value of public spirit, present in the Bank's mission, resurrecting the social function that public banks should represent in one of the countries with the greatest social imbalance in the world. This dissertation will make possible results of millions of euros of savings to Banco do Brasil, but which should also be reverted to the Federal Government, and to the Brazilian people, the largest shareholder and true owner, of this heritage called Banco do Brasil, created by the dignified Portuguese King Dom João VI, in 1808, being the oldest company in Brazil, and always at the service of the Brazilian People, as never before in the history of that country.
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Keywords
Banco Banco do Brasil Financiamentos de imóveis Residenciais