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Advices > The appraisal of the property ...


The appraisal is very useful since it offers us the independent opinion of an expert about the value of the property that we are going to acquire.

Facing the financial organization it is also important, since from the value of appraisal settles down the guarantee of the building and consequently, the amount of the loan that we are going to acquire.

If we are going to request a mortgage loan it is advisable that the appraisal is made of express form for the mortgage market and that there not exist conditioners or warnings which can affect the approval of your mortgage loan.

Each financial organization usually has accredited diverse societies of appraisal, which will appear in their informative pamphlets.

Obtain this data to guarantee that the appraisal will be accepted by your organization and thus to avoid that this cost can be duplicated.

It is advisable to have to disposition of the valuer the necessary documentation to save time in the transaction of your loan.

NECESSARY DOCUMENTATION
PROPERTY
PLOTS
Property Deed or Simple Note (Maxima antiquity 1 month)
X
X
Plans of the Property
O
O
Project visa, work license and last certification of the executed work sent by the facultative direction (only if they are in project, construction or rehabilitation).
X
  
City-planning and Accreditation of the urbanity advantage.  
O
Certificate Provisional Qualification (only if VPO).
X
  
Lease Contract and receipt of the last paid rent (only if it is rented).
X
  

X: Documents essential to value. If you do not have them they will originate a conditioner in the appraisal that will force to have the documentation to eliminate it.

O: Documents necessary to appraise. If you do not have them, it does not oblige to put a conditioner, safe in the valuation of some lands in which it is essential to identify them.

Source: Society of Appraisal S.A.

Remember: The appraisal must be made of express form for the mortgage market and free of conditioners and warnings that can limit the concession of your mortgage loan.

 
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