In the house credit process, banks and lenders rely on a fast and accurate estimation of a real estate price to determine the maximum loan value. Real estate appraisal is often based on relational data, capturing the hard facts of the property. Yet, models benefit strongly from including image data, capturing additional soft factors. The combination of the different data types requires a multi-view learning method. Therefore, the question arises which strengths and weaknesses different multi-view learning strategies have. In our study, we test multi-kernel learning, multi-view concatenation and multi-view neural networks on real estate data and satellite images from Asheville, NC. Our results suggest that multi-view learning increases the predictive performance up to 13% in MAE. Multi-view neural networks perform best, however result in intransparent black-box models. For users seeking interpretability, hybrid multi-view neural networks or a boosting strategy are a suitable alternative.
翻译:在家庭信贷过程中,银行和放款人依靠快速和准确的房地产价格估算来确定最高贷款价值。不动产评估往往以关系数据为基础,捕捉财产的硬事实。然而,模型从包含图像数据、捕捉更多的软因素中受益匪浅。不同数据类型的结合要求采用多视角学习方法。因此,产生了不同多视角学习战略的强项和弱点。在我们的研究中,我们测试了多核心学习、多视角融合和多视角神经网络关于Asheville(NC)的房地产数据和卫星图像。我们的研究结果表明,多视角学习将MAE的预测性能提高到13%。多视角神经网络表现最佳,但导致透明黑盒模式。对于寻求可解释的用户来说,混合多视角神经网络或促进战略是一种合适的选择。