Borrowers
offering a property as security.
Property Valuation for Banking Purposes
Property valuation for banking, financing and security purposes in Lebanon, prepared to the requesting institution's requirements, with document review, inspection and analysis.
Appraisal for banks
What the service is
Valuation of a property for a banking or financing purpose: security for a loan, a mortgage, a review of existing collateral, or a financial transaction attached to a property.
The key difference from an ordinary valuation is that the requesting institution sets the frame. A bank may impose its own template, approach, document list, or requirements on the expert. So the first question is not "what is this property worth?" but "which bank, and what exactly are they asking for?"
A sworn expertRecognised by the courts and the banks of Lebanon.
A dated reportA value tied to its valuation date and stated purpose.
Arabic or EnglishReports prepared in the language the recipient requires.
From Lebanon or abroadA file starts with a document review, wherever you are.
Who it is for
Who usually asks for it
Who arrives at this service, and what each of them needs from it.
Owners
assessing their borrowing position before applying.
Companies
putting property assets into a facilities file.
Borrowers
at the stage of discharging a mortgage or revaluing collateral.
When
When you need it
The situations this kind of file is usually asked for in.
- 01
Assessing property security for a loan.
- 02
Creating or amending a mortgage.
- 03
Revaluing existing collateral.
- 04
Within a corporate facilities file.
- 05
Before approaching a bank, to know your position in advance.
Property types
The property this covers
Each type carries its own documents and its own approach, settled when the file is reviewed.
Built and unbuilt land
Residential apartments
Houses and villas
Whole buildings
Shops and offices
Warehouses and facilities
Industrial property
Inherited or jointly owned property
Company property
The work
What the work involves
- 01Establishing the purpose
Sale? Inheritance? Court? Bank? The purpose determines the report's scope and form, and is agreed before work starts.
- 02Reviewing documents
Confirming the property's identity, ownership, area and registered charges, and identifying what is missing.
- 03Inspection
Visiting the property and recording what no document shows: actual condition, surroundings, access, current use.
- 04Analysis
Testing the evidence against the market and comparable properties, choosing the approach that fits the property type and the quality of the data.
- 05Reporting
A full record of the property, purpose, sources, methodology, assumptions, and the conclusion with its date.
Documents
Documents required
A reference list, not a precondition. Send what you have; what is missing is identified at review.
Title extract from the Land Registry
An extract from the Land Registry showing ownership and any registered charges.
Proof of ownership
Whatever establishes the owner's standing in the property, an older document included.
Cadastral maps and area statement
To establish boundaries, area, shape and the relationship to the surrounding roads.
Building permits or construction documents
The building permit or its equivalent, establishing the legal standing of what is built.
Lease or income details where applicable
The lease and the income details, where the property is let.
The bank's template or instruction letter
The instruction letter or the lender's template, with its own requirements.
Any registered charges or mortgages
Charges and mortgages registered against the property.
The outcome
What you receive
A report a third party can read, and follow to the conclusion it reaches.
Value is tied to its valuation date and stated purpose. Acceptance of the report, in form and substance, rests with the bank or lender.
Tell me the property, the region and why the value is needed.
The file is reviewed first: documents required, scope of work, expected timeframe. No fee is quoted before that.