Thẩm định dự án cho vay tài trợ dự án bất động sản tại ngân hàng thương mại cổ phần kỹ thương việt nam

TRUONG DAI HOC KINH TE QUOC DAN ■ ■ SOD'S r Giai phap nang cao chat luong tham dinh cho vay tai tro1 du an Bat 3.2 dong san tai Ngan hang thu’O’ng mai co phan Ky thuong Viet Nam 80 3.2.1 Nang cao nang luc cua can bo tham dinh doi vdi linh vuc bat dong san 77 3.2.2 Hoan thien noi dungtham dinh du an dau tu BDS 78 3.2.3 Hoan thien cong tac thu thap thong tin tham dinh du an 79 3.2.4 Xay dung san pham cho vay tai tro du an bat dong san 80 3.2.5 Nang cao ung dung cua cong nghe thdng tin 82 3.3 Kien nghi 85 KET LUAN 87 TAI LIEU THAM KHAO Phu luc DANH MUC CAC CHU VIET TAT BDS Bat dong san NHTM Ngan hang thuong mai TMCP Thuong mai co phan VCSH Von chu so huu Techcombank Ngan hang thuong mai co phan Ky thuong Viet Nam NHNN Ngan hang nha nude TSBD Tai san bao dam TCTD To chuc tin dung NPV Gia tri hien tai rong IRR Ty suat hoan von noi bo PP Thdi gian hoan von PI Chi so loi nhuan So QHKT/XD So quy hoach kinh te/xay dung UBND Uy ban nhan dan VB Van ban DANH MUC BANG BIEU, SO DO Bang 2.1: Du no cho vay tai tro nhom nganh Bat dong san ngan hang Techcombank giai doan 2010-2013 31 Bang 2.2: So luong du an BDS tai trg nam 2012 va nam 2013 31 Bang 2.3: Phan loai can ho du an The Pride 37 Bang 2.4: Ty le ban theo bon dot cua du an The Pride 41 Bang 2.5: Lo trinh ban can ho theo dot cua du an The Pride 41 Bang 2.6: Tong hop chi tieu su dung cong trinh dich vu tong hop 43 Bang 2.7: Phuong an thi cong thay doi 45 Bang 2.8 : Tong hop tong muc dau tu 46 Bang 2.9: Co cau nguon von du an .47 Bang 2.10: Tien thuc hien cac du an cua cdng ty CP dau tu Hai Phat 48 Bang 2.11 : Ke hoach phan bo nguon von 49 Bang 2.12: Cac chi so hieu qua cua du an 52 Bang 2.13: Bang phan tich nhay cua du an 52 Bang 2.14: Bang tinh nhu cau han muc cua khach hang 53 Bang 2.15: Co cau co dong cong ty CP dau tu Hai Phat 54 Bang 2.16: Bang mo ta tai san bao dam cua khach hang 56 Bang 2.17: Bang dieu tra cac du an xay dung can ho cao cap tren dia ban Ha Noi 60 Bang 2.18: Tong muc von dau tu du an Mipec Tower 63 Bang 2.19: Phan bo chi phi va nguon von dau tu du an Mipec Tower 64 Bang 2.20: Du kien nguon tra no du an Mipec Tower 65 Bang 2.21: Co cau co dong cua Cong ty co phan hoa dau Quan doi 66 Bang 2.22: Bao cao tai chinh nam 2008 cdng ty co phan hoa dau Quan doi 66 Bang 2.23: Ket qua kinh doanh cdng ty cd phan hoa dau Quan doi 67 Bang 2.24: Bang tinh toan cac chi so tai chinh cdng ty cd phan hoa dau Quan doi 67 So 2.1: Co cau to chuc Ngan hang Techcombank 29 Bieu 2.1: Du no cho vay theo nganh nghe kinh doanh 30 w TRUONG DAI HOC KINH TE QUOC DAN ■ ■ sosoOcaGS TRAN Dire CUONG THAM DINH CHO VAY TAI TRO DO AN DAT DONG SAN TAI CO PHAN KY THUONG ■ NGAN HANG THUONG MAI ■ VIETNAM ■ CHUYEN NGANH: QUAN TRI KINH DOANH BAT DONG SAN TOM TAT LUAN VAN THAC SY HA AOI, AAM £014 • i LOI MO DAU Thi trudng bat dong san co moi quan he chat che vdi thi trudng tai chinh, von tin dung ngan hang la mot nhung nguon von ho tro tich cue cho thi trudng bat dong san “Cho vay tai tro du an Bat dong san” la mot nhtrng hoat dong the hien rd rang nhat sir ho tro ve nguon von cua ngan hang vdi thi trudng bat dong san Trong viec tai tro du an Bat dong san thi khau tham dinh dong vai tro la co sd de ngan hang quyet dinh tai tro hay khong tai tro mot du an Cong tac tham dinh du an Bat dong san hien van mang tinh chat kinh nghiem ngan hang chua cd hudng dan tham dinh rieng, quyet dinh tai tro ca thieu > A thong tin ve du an ap luc ve chi tieu hoac ban lanh dao, can bo tham dinh chua du kien thuc de tham dinh du an Bat dong san, chinh nhung diem la mot cac nguyen nhan lam cho linh vuc Bat dong san dang cd ty le no xau cao nhat hien Do vay, Viec tham dinh cho vay tai tro du an Bat dong san can phai xem xet than trong, tien tdi hoan thien cong tac tham dinh de giam thieu rui ro viec tai tro va mang lai hieu qua hon nua cho hoat dong cho vay cua cac ngan hang Ngan hang thuong mai co phan Ky thuong Viet Nam (TCB) la don vi da tham gia tai tro cho rat nhieu cac du an Bat dong san vdi tong du no tai tro cho linh vuc Bat dong san chiem 14% du no toan ngan hang Trong rieng mang cho vay tai tro du an Bat dong san chiem tdi 46% du no cho vay linh vuc Bat dong san Tir nhung van de tren, cung vdi nhung kien thuc da hoc, tac gia da lira chon de tai “Tham dinh cho vay tai tro1 du1 an bat dong san tai Ngan hang thirong mai co phan Ky Thuong Viet Nam ” lam de tai nghien cuu cua minh vdi muc tieu he thong hoa ly luan ve tham dinh cho vay tai tro du an bat dong san va danh gia thuc trang tham dinh cho vay tai tro dir an Bat dong san tai Ngan hang thuong mai co phan Ky thuong Viet Nam, tir de xuat cac giai phap nham hoan thien cong tac tham dinh cho vay tai tro du an Bat dong san tai ngan hang Luan van co doi tupng nghien cuu la cong tac tham dinh cho vay tai tro du an bat dong san Pham vi nghien cuu cua luan van: Cong tac tham dinh cho vay tai tro du an Bat dong san tai Ngan hang thuong mai co phan Ky Thuong Viet Nam giai doan nam 2009 - 2012 Phu luc 4: Chi tiet chuc nang cong trinh du* an The Pride Phan khoi de Dien Dien tich tich giao su thong dung 26,961 1,638 25,323 13,182 1,638 11,544 11,190 1,638 9,552 T6ng S6 Chieu cao Chi tieu Chuc nang tSng tien /tang tich Phan tang Cac phong ky thuat 3.6 ham Phan de Tang va bai xe 5.4 Trung tarn TM, dich vu, Showroom Tang Trung tarn TM, sieu thi, 5.4 dich vu Tang 3+4 3.9 Khu vuc de xe 25,504 3,276 22,228 Tang 3.9 Dich vu cong cong 12,752 1,368 11,384 Tang 3.3 6,941 1,528 5,413 Dich vu van phong, KS, can ho cho thue Phan khoi thap 35 tang phia tren tinh cho moi khoi thap : Chi tieu So can ho Chieu cao/tang Chuc nang Tong tien tich Dien tich Dien tich giao thong sir dung Tang 7-20 112 3.3 Can ho chung cu 13,768 2,232 10,819 Tang 21 10 3.3 Tang ky thuat + can ho 1,721 279 951 Tang 22 - 32 168 3.3 Can ho chung cu 20,652 3,348 16,229 TSng 33 - 34 3.3 Can ho Penhouse 3,442 558 2,908 Tang 35 3.3 Tang ky thuat 1,721 135 1,586 Phan khoi thap 45 tang phia tren: Chi tieu So can ho Chieu cao/tang Chuc nang Tong tien tich Dien tich Dien tich giao thong su dung Ting - 23 238 3.3 Can ho chung cu 34,442 6,732 27,295 Ting 24 10 3.3 Tang ky thuat + can ho 2,026 396 951 Ting 25 - 43 266 3.3 Can ho chung cu 38,494 7,524 30,506 Ting 44-45 3.3 Can ho Penhouse 4,052 792 3,290 Phu luc 5: Bang tinh chi tiet nguon von dau tu1 cua dir an “The Pride” TT Noi dung Don vi Dien tich I Tien sir dung dat tra cho chu dau tu- cap m2 28,984.00 n in Tong dien tich san xay dung toan nha m2 329,578.00 Don gia Thanh tien (USD) Quy doi (VND) (USD) 7327,416 130,428,004,800 - 134,621,034 2396,254,405,200 Chi phi xay dung Mong + tang ham m2 26,961.00 450 12,132,450 215,957,610,000 Tang thuong mai, dich vu (T1+T2+T5) m2 37,124.00 337 12,510,788 222,692,026,400 Tang de xe (T3+T4) m2 25,504.00 337 8,594,848 152,988,294,400 Tang (van phdng, can ho cho thue) m2 6,941.00 421 2,922,161 52,014,465,800 Tang nha d m2 207,165.00 421 87,216,465 1,552,453,077,000 Tang Penhouse m2 13,882.00 421 5,844,322 104,028,931,600 Tang ky thuat m2 12,000.00 450 5,400,000 96,120,000,000 IV Chi phi thiet bi Chi phiXDxlO% 13,462,120 239,625,736,000 V Chi phi kien thiet co' ban khac 11,015,257 Chi phi quan ly du an (CPXD+TB)x4% 5,923,333 196,071,574,600 105,435,327,400 Chi phi tu van Tam tinh 2,130,258 37,918,592,400 Chi phi khac (CPXD+TB)x2% 2,961,666 52,717,654,800 VI Dur phdng phi (CPXD+ TB+CPK)xlO% 15,104,499 268,860,082,200 IV Tong muc dau tu’ 181,530326 3,231,239,802,800 Phu luc 6: Phan bo chi phi qua cac nam cua du- an “The Pride” Hang muc chi phi Tdng Tien sir dung dat phan bb 130,428 Chi phi thiet ke caban 130,428 ' 196,072 9,804 19,607 29,411 29,411 29,411 29,411 29,411 19,607 100% 5% 10% 15% 15% 15% 15% 15% 10% 196,072 9,804 19,607 29,411 29,411 29,411 29,411 29,411 2,396,254 ■ ■ 239,625 479,251 479,251 479,251 0.0% 0.0% 10.0% 20.0% 20.0% 2,396,254 • ■ 239,625 479,251 239,626 ■ ■ ■ 0% 0% 0% • - 2010 2011 2012 2013 2014 2009 2015 Quyl+II Quy 111+IV Quyl+II Quy 111+IV Quy I+II Quy III+IV Quy I+II Quy III+IV Quyl+II Quy III+IV Quyl+II Quy HI+IV Quy I+II STT Tyledautu Giatriddutu Chi phi xay dung Ty ledautu Gia tri dautu Chi phithidtbi 100% Ty leddutu 100% Gia tri dau tu 239,626 r 268,860 Chi phi du phdng Ty leddutu Giatriddutu Tong 100% 268,860 3,231,240 ■ 0% ■ 9,804 • • 0% 0% 19,607 ■ ■ 479,251 239,625 • ■ 20.0% 20.0% 10.0% 0.0% 0.0% 479,251 479,251 479,251 239,625 ■ - 11,981 47,925 71,888 71,888 23,963 11,981 ■ 5% 20% 30% 30% 10% 5% ■ 11,981 47,925 71,888 71,888 23,963 11,981 ■ 26,886 40,329 40,329 40,329 40,329 40,329 26,886 13,443 ■ 10% 15% 15% 15% 15% 15% 10% 5% 26,886 40,329 40,329 40,329 40,329 40,329 26,886 13,443 176,921 309,365 560,972 596,916 620,878 620,878 310,081 25,424 ■ • 0% 0% 0% 0.0% 0.0% 0.0% 0% 0% 0% 0% 0% 0% 0% ■ • 0% • ■ 0 Phu luc 7: Doanh thu du- kien dir an The Pride STT Doanh thu tir dir an Doanh thu tir ban can ho T6ng Tien ban hang 100% Tien thu tien theo d