real-estate-debt-analysis

Real estate debt analysis skill

Professional real estate debt analysis capability that can capture and analyze debt information for residential properties, compare Anjuke intermediary prices with Alibaba judicial auction transaction prices, and provide data support for investment decisions.

Capabilities

Data Collection

Extract property address information from the table provided by the user
Use web search tools to capture Anjuke intermediary prices
Use web search tools to capture Alibaba judicial auction transaction prices
Organize basic information such as debt principal and area

Data Analysis

Calculate Anjuke valuation (average price × area)
Calculate judicial auction discount rate (judicial auction price / appraised price)
Analyze price difference (intermediary price - judicial auction price) / intermediary price
Assess debt coverage ratio (market value / debt principal)

Risk Assessment

Legal risk: property rights disputes, lease contracts, etc.
Market risk: policy changes, market fluctuations
Liquidity risk: liquidation period, regional differences
Operational risk: judicial auction procedures, bidding risk

Report Generation

Create comparison analysis tables
Generate market analysis summaries
Provide investment advice and risk warnings
Output reports in PDF format

Use Cases

When it is necessary to analyze the value of real estate package debt
When it is necessary to compare the price performance of properties on different platforms
When it is necessary to evaluate the investment value of judicial auction properties
When it is necessary to generate a real estate debt analysis report

Data Sources

Anjuke: intermediary listing prices, community average prices
Alibaba Auction: judicial auction starting price, transaction price, appraised price
Xingfuli: second-hand housing transaction prices
Fang.com: detailed property information, historical prices

Analysis Metrics

Price metrics

anjuke_average_price: community average listing price
anjuke_valuation: property value calculated based on average price
auction_starting_price: Alibaba Auction starting price
auction_transaction_price: actual transaction price
auction_discount_rate: ratio of judicial auction price to appraised price

Risk metrics

debt_coverage_ratio: market value / debt principal
price_difference_rate: (intermediary price - judicial auction price) / intermediary price
liquidity_score: comprehensive score based on region, layout, and total price
investment_value_score: score combining price, location, and risk

Investment Advice Rules

Prioritize attention

Properties with a judicial auction discount rate >30% and a relatively good location
High-quality assets with a debt coverage ratio >100%
Properties in core areas but with reasonable prices

Treat with caution

Judicial auctions of school-district properties (highly competitive, prone to bidding too high)
Commercial-residential properties (high policy risk, poor liquidity)
Properties with unclear ownership or disputes

Long-term holding

High-quality properties in core areas
Properties along subway lines with complete supporting facilities
Properties from quality developers

Quick entry and quick exit

High-discount judicial auction properties in suburban areas
Small apartments with a relatively low total price
Properties with clear appreciation potential in the short term

Output format

Table structure

No.	Property address	Creditor's principal (10,000 yuan)	Anjuke agency price (yuan/㎡)	Anjuke valuation (10,000 yuan)	Alibaba judicial auction transaction price (10,000 yuan)	Judicial auction unit price (yuan/㎡)	Judicial auction discount rate	Price difference analysis	Investment recommendation

Report section

Basic information table of creditor's properties
Market analysis summary
Statistical data analysis
Key findings and analysis
Alibaba judicial auction transaction price analysis
In-depth price comparison analysis
Risk disclosure statement
Conclusion and investment recommendations

Key findings and analysis

1. Characteristics of Anjuke agency prices

Agency fee rate: In the Hangzhou area, generally 2-3% of the total property price
Price authenticity: Anjuke prices are mostly listing prices, and actual transaction prices usually have a 5-10% room for negotiation
Regional differences: Prices in core areas (Xihu, Shangcheng) are significantly higher than in suburban areas

2. Alibaba judicial auction transaction price analysis

Average discount rate: 70-80%, and some high-quality assets can reach or exceed the appraised value
Popular cases:
- Wendingyuan: sold for 7.44 million yuan, unit price about 50,900 yuan/㎡, highly competitive
- Chunjiang Huayue: sold for 9.38 million yuan, down 3.3 million yuan from 6 years ago
- Xixi Sunshine Center: 78 commercial-residential units start at 30% off
Investment opportunities:
- Haining Qichaofu: starting at 450,000-460,000 yuan, unit price about 2,900 yuan/㎡
- Linping Lanting Garden: starting at 430,000 yuan, discount rate 44%
- Fuchun Jinqiu Avenue: sold for 730,000 yuan, unit price about 8,600 yuan/㎡

3. In-depth price comparison analysis

Anjuke vs judicial auction: Judicial auction prices are on average 30-40% lower than Anjuke prices
Debt coverage: For most properties, the Anjuke valuation is higher than the creditor's principal
Impact of agency fees: Buying judicial auction properties can save 2-3% in agency fees

4. Investment recommendations

Give priority attention to: Properties with large judicial auction discounts and good locations (such as Lanting Garden with a 44% discount)
Treat with caution: Judicial auctions of school-district properties; avoid blindly chasing high prices (Wendingyuan is highly competitive)
Cost advantage: Judicial auction properties can save agency fees, making the actual cost lower
Risk assessment: Focus on judicial auction listings with clear ownership and no disputes

Important notes

Data timeliness: Property prices change quickly; pay attention to the data update time
Information accuracy: Judicial auction information may be delayed and requires verification from multiple sources
Legal compliance: Judicial auction properties involve legal procedures; it is recommended to consult a professional lawyer
Market risk: The real estate market has fluctuation risks and requires cautious assessment
Cost considerations: Although judicial auction properties are low in price, hidden costs such as taxes and renovation must be considered

Skill Limitations

Relies on public network data and may not be able to obtain the latest transaction information
Foreclosure data may be incomplete, and some properties have no transaction records
Price predictions are based on historical data, and actual prices may deviate
Cannot replace professional legal and financial due diligence

Extended Configuration

Price Configuration File

The skill supports customizing regional price data through a configuration file:

Copy scripts/price_config.json.example to scripts/price_config.json
Modify the price data according to actual conditions
The skill will automatically load the price data from the configuration file

Environment Variables

The skill supports configuring external services through environment variables:

REPORT_GENERATOR_SERVICE: Report generation service address
DATA_PROCESSING_SERVICE: Data processing service address
WEB_SEARCH_SERVICE: Web search service address

General Applicability Statement

This skill is designed as a general-purpose property debt analysis tool and has the following features:

Regional Applicability: Supports property analysis in major cities and regions nationwide
Configuration Flexibility: Enables personalized settings through configuration files and environment variables
Ecosystem Compatibility: Can integrate with external capabilities from different Agent ecosystems
Scalability: Modular design makes it easy to add new features and support new regions

The skill has built-in basic price data for major cities nationwide by default and can be extended according to actual needs.

Best Practices

Multi-source Verification: Use data from multiple platforms for cross-verification
Regular Updates: Property prices change quickly and need to be updated regularly
Professional Consultation: For important decisions, it is recommended to consult professional lawyers and appraisers
Risk Diversification: Do not concentrate investments in a single type or region of property
Long-term Perspective: Property investment is recommended for long-term holding; short-term speculation carries greater risk

Trigger Words

Main Trigger Words

Property debt analysis
Debt value assessment
Property package investment analysis
Anjuke and Alibaba Auction price comparison
Foreclosure property investment analysis
Property price comparison analysis
Debt recovery analysis
Property package disposal recommendations

Platform-related Trigger Words

Anjuke property prices
Alibaba Auction property analysis
Anjuke vs Alibaba Auction
Multi-platform property price comparison

Task-related Trigger Words

Generate property debt report
Property investment recommendations
Debt risk assessment
Property data analysis
Foreclosure price analysis

Context Trigger Words

This skill will also be triggered when the conversation contains the following keywords:

Residential property, second-hand home, foreclosure property, commercial property, villa
Anjuke, Alibaba Auction, Xingfuli, Fang.com
Debt principal, collateral, debt analysis, asset package, non-performing assets

Trigger Words for Collaboration with the File Parsing SKILL

Analyze the debt in the Excel spreadsheet
Help me analyze the debt data in this table
Analyze debt value from the table
Parse Excel and perform debt analysis
Analysis of property debt in the table
Analyze debt data in a CSV file
Parse a JSON file and perform debt analysis
Help me analyze the debt information in this file
Extract debt data from the file and analyze it
Analyze property debt information in the text

Collaboration trigger words with the image parsing SKILL

Analyze debt data in the image
Extract property information from the photo
Parse the table data in the image
Help me analyze the debt information in this image
Identify the property address and amount from the image
Analyze debt data in the scanned document
Parse the property area and debt information in the image

Collaboration trigger words with the audio parsing SKILL

Analyze debt information in the voice
Extract property data from the recording
Parse the debt principal and area in the audio
Help me analyze the property information in this recording
Identify the property address and debt data from the voice

Collaboration trigger words with the multimodal parsing SKILL

Analyze debt information in the document
Extract property data from the materials
Parse debt information in mixed media
Help me analyze the property information in these materials
Extract debt data from multiple formats

Input parameters

Direct input format

Parameter	Type	Required	Description
action	string	Yes	Operation type, supports: analyze_debt_portfolio (analyze debt portfolio), analyze_single_property (analyze a single property)
property_data	array	Yes	Property data array, each element contains address (address), debt_principal (debt principal), area (area)
options	object	No	Optional parameters, including: include_risk_analysis (whether to include risk analysis), output_format (output format: markdown/pdf)

Collaboration format with the Excel parsing SKILL

Parameter	Type	Required	Description
action	string	Yes	Operation type, supports: analyze_debt_portfolio (analyze debt portfolio), analyze_single_property (analyze a single property)
excel_data	object	Yes	Data passed from the Excel parsing SKILL
excel_data.headers	array	Yes	Excel table header
excel_data.rows	array	Yes	Excel table data rows
options	object	No	Optional parameters, including: include_risk_analysis (whether to include risk analysis), output_format (output format: markdown/pdf)

Collaboration format with other file parsing SKILLs

Parameter	Type	Required	Description
action	string	Yes	Operation type, supports: analyze_debt_portfolio (analyze debt portfolio), analyze_single_property (analyze a single property)
file_data	object	Yes	Data passed from the file parsing SKILL
file_data.content	string	Yes	File content
file_data.file_type	string	Yes	File type, supported: csv, json
options	object	No	Optional parameters, including: include_risk_analysis (whether to include risk analysis), output_format (output format: markdown/pdf)

Text data format

Parameter	Type	Required	Description
action	string	Yes	Operation type, supported: analyze_debt_portfolio (analyze debt portfolio), analyze_single_property (analyze single property)
text_data	string	Yes	Property data in text form, each line contains address, debt principal, area, separated by commas or spaces
options	object	No	Optional parameters, including: include_risk_analysis (whether to include risk analysis), output_format (output format: markdown/pdf)

Collaboration format with image parsing SKILL

Parameter	Type	Required	Description
action	string	Yes	Operation type, supported: analyze_debt_portfolio (analyze debt portfolio), analyze_single_property (analyze single property)
image_data	object	Yes	Data passed from image parsing SKILL
image_data.extracted_text	string	No	Text extracted from the image
image_data.extracted_table	object	No	Table data extracted from the image
image_data.extracted_table.headers	array	No	Table header
image_data.extracted_table.rows	array	No	Table data rows
options	object	No	Optional parameters, including: include_risk_analysis (whether to include risk analysis), output_format (output format: markdown/pdf)

Collaboration format with audio parsing SKILL

Parameter	Type	Required	Description
action	string	Yes	Operation type, supported: analyze_debt_portfolio (analyze debt portfolio), analyze_single_property (analyze single property)
audio_data	object	Yes	Data passed from audio parsing SKILL
audio_data.transcript	string	Yes	Audio transcription text
options	object	No	Optional parameters, including: include_risk_analysis (whether to include risk analysis), output_format (output format: markdown/pdf)

Collaboration format with multimodal parsing SKILL

Parameter	Type	Required	Description
action	string	Yes	Operation type, supported: analyze_debt_portfolio (analyze debt portfolio), analyze_single_property (analyze single property)
multimodal_data	object	Yes	Data passed from multimodal parsing SKILL
multimodal_data.text_content	string	No	Extracted text content
multimodal_data.table_content	object	No	Extracted table content
multimodal_data.table_content.headers	array	No	Table header
multimodal_data.table_content.rows	array	No	Table data rows
options	object	No	Optional parameters, including: include_risk_analysis (whether to include risk analysis), output_format (output format: markdown/pdf)

Output format

Analysis Results

{
    "success": true,
    "action": "analyze_debt_portfolio",
    "analysis_results": [
        {
            "address": "杭州市萧山区北干街道广德小区xx幢xx单元xxx室",
            "debt_principal": 208.45,
            "area": 102.35,
            "anjuke_average_price": 22800,
            "anjuke_valuation": 233.36,
            "auction_transaction_price": 198.0,
            "auction_discount_rate": 0.85,
            "debt_coverage_ratio": 1.12,
            "price_difference_rate": 0.15,
            "liquidity_score": 85,
            "investment_value_score": 82,
            "investment_suggestion": "优先关注",
            "risk_assessment": {
                "legal_risk": "低",
                "market_risk": "中",
                "liquidity_risk": "低",
                "operational_risk": "中"
            }
        }
    ],
    "summary": "本次分析了1处房产，其中1处建议优先关注。平均债权覆盖率为112%，平均法拍折扣率为85%。",
    "report_url": "http://localhost:8000/reports/analysis_20260306_123456.pdf"
}

Example Usage

Analyze Debt Portfolio

{
    "action": "analyze_debt_portfolio",
    "property_data": [
        {
            "address": "杭州市萧山区北干街道广德小区xx幢xx单元xxx室",
            "debt_principal": 208.45,
            "area": 102.35
        },
        {
            "address": "杭州市余杭区五常街道宏旺西溪阳光中心xx幢xx单元xxx室",
            "debt_principal": 890.0,
            "area": 394.64
        }
    ],
    "options": {
        "include_risk_analysis": true,
        "output_format": "pdf"
    }
}

Analyze Single Property

{
    "action": "analyze_single_property",
    "property_data": [
        {
            "address": "杭州市上城区春江花月住宅区晓风苑xx幢xx单元xxx室",
            "debt_principal": 1200.0,
            "area": 161.16
        }
    ]
}

About this skill

Capabilities

Data Collection

Data Analysis

Risk Assessment

Report Generation

Use Cases

Data Sources

Analysis Metrics

Price metrics

Risk metrics

Investment Advice Rules

Prioritize attention

Treat with caution

Long-term holding

Quick entry and quick exit

Output format

Table structure

Report section

Key findings and analysis

1. Characteristics of Anjuke agency prices

2. Alibaba judicial auction transaction price analysis

3. In-depth price comparison analysis

4. Investment recommendations

Important notes

Skill Limitations

Extended Configuration

Price Configuration File

Environment Variables

General Applicability Statement

Best Practices

Trigger Words

Main Trigger Words

Platform-related Trigger Words

Task-related Trigger Words

Context Trigger Words

Trigger Words for Collaboration with the File Parsing SKILL

Collaboration trigger words with the image parsing SKILL

Collaboration trigger words with the audio parsing SKILL

Collaboration trigger words with the multimodal parsing SKILL

Input parameters

Direct input format

Collaboration format with the Excel parsing SKILL

Collaboration format with other file parsing SKILLs

Text data format

Collaboration format with image parsing SKILL

Collaboration format with audio parsing SKILL

Collaboration format with multimodal parsing SKILL

Output format

Analysis Results

Example Usage

Analyze Debt Portfolio

Analyze Single Property