Image to Decision AI for Real Estate Valuation (Imatod)

用于房地产估值的图像到决策人工智能 (Imatod)

• 批准号: 105772
• 金额: $ 89.06万
• 依托单位: VIRTUAL VIEW APP LIMITED
• 依托单位国家: 英国
• 项目类别: Study
• 财政年份: 2020
• 资助国家: 英国
• 起止时间: 2020 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=105772
• 关键词: Image; Decision; AI; Real; Estate

Imatod will leverage Virtual View App's existing eco-system to extract the vast amount of unstructured data comprised in the 360° imagery to enhance confidence levels in AVM's data and eliminate the need of physical inspection for low-to-medium risk properties for mortgage valuation. The existing eco-system consists of Vieweet360 and Smart Viewing, these are made of a low cost scalable 360° imagery technology and an open protocol platform for 360° virtual tour of properties respectively. Imatod will leverage these data through the development of an innovative computer vision (Cognitive analysis of 360° imagery) and the application of complex machine learning (supplemented by input from viewers and photographers) to evaluate the state of properties' interior and authenticate the date/location of captured imagery.As a result, Imatod will fully digitise the property valuation process and enhance confidence level in AVMs' data by providing information on interiors, which commercially available AVMs are currently blind to, and improve reporting to the regulators. Imatod will also make it cheaper and faster for applicants to access mortgage loans by eliminating the need for physical inspections which often require 2-3 weeks and an average of £500 per mandate. Imatod AVM will allow mortgage lenders to provide instant mortgage offering, bringing benefits to all stakeholders.

Imatod 将利用 Virtual View App 现有的生态系统提取 360° 图像中包含的大量非结构化数据，以增强 AVM 数据的置信度，并消除对中低风险财产进行抵押贷款评估的物理检查的需要。现有的生态系统由 Vieweet360 和 Smart Viewing 组成，它们分别由低成本可扩展 360° 图像技术和用于 360° 虚拟物业游览的开放协议平台组成。 Imatod 将通过开发创新的计算机视觉（360° 图像认知分析）和应用复杂的机器学习（辅以观众和摄影师的输入）来利用这些数据来评估房产内部状态并验证捕获图像的日期/位置。因此，Imatod 将全面数字化房产估价流程，并通过提供商业上可用的室内信息来提高 AVM 数据的置信度 AVM 目前对监管机构视而不见，并改进了向监管机构的报告。 Imatod 还将消除实际检查的需要，从而使申请人能够更便宜、更快捷地获得抵押贷款，而实际检查通常需要 2-3 周的时间，每次授权平均需要 500 英镑。 Imatod AVM 将允许抵押贷款机构提供即时抵押贷款服务，为所有利益相关者带来利益。