Valuation for Collateral Purposes

Değer Değerleme

Banks, financial leasing companies, credit guarantee funds, and private creditors secure the loans they grant by taking real estate and movable assets as collateral. Reporting these assets at a value that is fair, impartial, and accurately reflects risk is vital for the security of the financial system. Değer Gayrimenkul Değerleme A.Ş. provides collateral valuation services of the highest standard to financial institutions, backed by its BRSA (BDDK) license.

Our Priorities in the Reporting Process

Legal and Zoning Status Assessment: A detailed examination of the property's status regarding annotations, mortgages, and liens in the land registry, as well as permits, plans, and risks of unauthorized construction in the municipal file.
Risk-Based Approach: Clearly specifying the liquidity (speed of conversion to cash) of the property to be taken as collateral, its legal defects, and risk factors that could lead to a loss in value.
Fast and Reliable Delivery: Optimized operational processes and an extensive regional network that ensure financing workflows remain uninterrupted.

Description and Importance of the Service

Our reports are prepared in full compliance with BRSA and CMB standards and are directly accepted by the risk management committees of banks and financial institutions. This minimizes potential time losses and bureaucratic hurdles in credit approval and collateralization processes.
We provide dynamic reporting that accurately reflects market fluctuations—not only during the initial establishment of collateral but also during periodic valuation updates of existing collateral portfolios. In this way, we help financial institutions and investors maintain their loan-to-value (LTV) ratios within current and safe limits.