Professional mortgage valuation and SARFAESI valuation certificates for home loans, Loan Against Property, secured lending and distressed-property enforcement across India.
Every bank home loan or Loan Against Property (LAP) requires a mortgage valuation to establish the property's value and suitability as security for the proposed lending.
A2Z Valuers provides professional valuation support for banking requirements, with certificates prepared in accordance with the prescribed requirements of the relevant lending institution and property assignment.
The Mortgage Valuation Certificate provides the lender with an independent assessment of the property's value and relevant security characteristics for the lending decision.
Get Expert Advice →The property's assessed Fair Market Value (FMV) based on relevant market evidence.
The valuation basis used by the lender for its Loan-to-Value (LTV) assessment.
Relevant considerations including freehold or leasehold, RERA status and encumbrance position.
The applicable security-value assessment supporting the lender's credit evaluation.
Physical and documentary aspects of the property are considered as relevant to the valuation assignment.
Relevant market evidence and comparable properties are examined to establish the appropriate market value.
Property characteristics affecting marketability and mortgage security are considered.
The findings are documented in the applicable bank valuation format for the lending assignment.
When a bank enforces a secured asset under SARFAESI, valuation becomes an important component of the enforcement and auction process. The applicable Distressed Sale Value (DSV) is relevant to the determination of the auction reserve price.
A Government Approved Property Valuer's SARFAESI assignment can establish the property's current Market Value (MV) using an appropriate valuation approach, together with the applicable DSV / Forced Sale Value (FSV).
Depending on the property and assignment, relevant approaches may include the Comparative Market Approach or Income Approach.
Explore the broader statutory and technical property valuation framework, including valuation methodologies, certificate requirements and related statutory contexts.
Leasehold status can materially affect the way a property is assessed for mortgageability, market value, transfer and marketability. For DDA properties, the lease terms and conversion position should be examined as part of the valuation assignment.
If your property is held on a DDA lease, the conveyance deed and related title documents should be reviewed to establish the lease term, allotment authority, conversion position and transfer conditions.
Banks may consider the remaining lease period when assessing whether a leasehold property can adequately support the proposed loan term.
A 90-year DDA lease granted in 1985 has approximately 49 years remaining in 2026. A 20-year loan would leave approximately 29 years on the lease.
A Government Approved Property Valuer may consider the difference between comparable freehold market value and the applicable leasehold characteristics.
The remaining lease term and restrictions affecting transfer can therefore form part of the valuation analysis.
Eligible DDA leasehold properties may be converted to freehold subject to the applicable DDA process and prescribed conversion charges.
The valuation should identify whether the property is pre-conversion or post-conversion and apply the appropriate valuation basis.
Depending on the property and transaction, DDA NOC and transfer requirements may need to be considered before the transaction can proceed.
Applicable transfer costs and restrictions may affect the property's marketability and therefore form part of the valuation analysis.
Whether you need a mortgage valuation for a home loan or LAP, a SARFAESI DSV certificate, or a valuation for a DDA leasehold property, discuss your requirement with A2Z Valuers.