Valuation of assets for pledge
Valuation of different assets for the purposes of crediting in banks for pledge of valuated property is one of the priority and actual directions of RVS’s activity.
Competent, fair and independent approach to property valuation is a guarantee of success of favorable credit decision and provides productive cooperation between the Creditor and the Debtor during all the stages of crediting process.
If you are a debtor and you need independent valuation for crediting for pledge — please call and write to us! We will be glad to work with you!
After contacting Russian Valuation Service you will be given a personal manager supporting you on every stage of work. You can always contact him by any convenient for you means (by telephone, by e-mail) and get an answer on anyinteresting for you question.
Employees of our company have great experience of performing pledge valuation projects with following matching of obtained results with creditor bank.
Experience of appraiser
The staff of Russian Valuation Service consists of professional appraisers with operational experience in valuation activity more than 15 years.
During the years of joint operation our team obtained significant experience in valuation of different assets for crediting for pledge in majority of biggest banks operating in Russian Federation.
While performing valuation projects we use all accumulated potential and stick to fair, impartial and weighted approach to valuation.
Within the bound of valuation of pledged assets our specialists carry out visual examination of pledge objects as well as detailed inspection of its technical condition and functional usage. Results of such analysis are reflected in written valuation report and accompanied with images which allow to definitely identify objects of valuation.
Cooperation with banks
Factor of success when obtaining borrowed funds by means of crediting for pledge of property is cooperation of three parties in this process: the Bank, the Debtor (the Owner) and the Appraiser.
The Appraiser, independently and competently passes his opinion about market value of assets, protects commercial interests of all participants of crediting process, and the result of his work allows to make the drawing up more transparent.
When rendering services we are ready to cooperate with the specialists of creditor bank on any stage of rendering and guarantee fulfillment of all necessary and possible arrangements for concordance of valuation results with the Bank’s representative on our part.
Thereby by trusting the valuation of assets for pledge to us you surely get:
- Qualitative and independent opinion about value of pledged object as well as other significant parameters connected with value of valuated asset;
- Written Valuation Report in accordance with mandatory standards and recommendations;
- Readiness to cooperate with the creditor Bank on anystage of work;
- Support during concordance of valuation results with the creditor Bank.
Association of Russian Banks’ requirements
When performing valuation for the purposes of crediting for pledge Russian Valuation Service’s team follows methodological recommendations on property valuation for the purposes of pledge of Association of Russian Banks (hereinafter referred to as ARB).
In accordance with ARB’s recommendations during performing valuation we firstly take into consideration market conditions, key parameters of pledged asset and its real condition on valuation date.
Thorough analysis of appropriate market sector is carried out by our specialists, the best and the most effective usage of pledged object is determined. During rendering services the Owner’s day-to-day operation is analyzed and significance of the pledged object for him is described.
In addition the object’s extent of liquidity and typical exposition period are subjects to thorough examination. Liquidating value and possible expenses connected with the process of charging order upon pledged object are determined. The valuation changes of pledged object over time taking into account the established tendencies on valuation date are predicted.
For the purpose of more accurate estimation of above-listed parameters and improving of rendered services Russian Valuation Service’s team on continuing basis carries out methodological arrangements connected with markets of the most typical pledged objects monitoring, interview main market participants, maintain databases and perform statistical analysis.
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