债务人担保物品如何评估？-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	债务人担保物品如何评估？
释义	法律分析：当债务人通过担保物品来保障债权人的利益时，需对该担保物品进行评估确定其价值。此时，法律规定，债权人和债务人可以协商确定担保物品的价值，也可由公证机构或专业的评估机构进行评估。若评估出的价值超过欠款，则债权人可以将担保物品转为自己的财产进行清偿，若评估出的价值不足以清偿债款，则债权人可以依法予以清偿，并要求债务人支付剩余欠款。法律依据： 1.《中华人民共和国担保法》第三十一条债务人与债权人可以协商确定担保物的价值。 2.《中华人民共和国担保法》第三十二条公证机构或者经财政部门备案的专业担保评估机构可以对担保物进行评估。 3.《中华人民共和国担保法》第三十三条担保物价值低于债权数额的，债权人可以对担保物实行变卖等方式予以清偿，但是应当尊重债务人的利益。 4.《中华人民共和国担保法》第三十四条担保物价值高于债权数额的部分归属于债务人。
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