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Valuation for loan/mortgage security

Estimate the collateral risk of a loan for a property project

 

Property financing and refinancing require a thorough analysis of the risks borne by the lending institution. Our aim is to provide you with a broad and comprehensive picture of property risks in Luxembourg, to help you take the right decisions with complete peace of mind.

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Your challenges

To secure finance for your property assets

 

To ensure a maximum return on investment and minimum risk when assembling a financing package, it is essential to fully understand your needs in relation to:

 

  • Availability of financing for a property project
  • Assessing the financial risks attached to a property project
  • Determining the covenant ratios, and especially the loan to value (LTV) or interest-covered ratio (ICR)
  • Regularly updating value changes to remain in step with your ratios and covenants
  • Meeting the lending institution's requirements

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Our services

Estimating the value of assets used as collateral

 

To help you take the right decisions, we are able to:

 

  • Analyse the market, the positioning of a property on its market and changes in sector-related risks
  • Assess the property’s condition
  • Examine legal and regulatory factors
  • Assess the rental income generated by the building by evaluating the financial impact of those factors likely to influence it (vacant periods, bankruptcy, etc.)
  • Assess the liquidity of the property on the market in the event of either a fair market sale or a forced sale

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The benefits to you

Appreciation of the financial risks attached to your property project

 

Get a clear picture of the potential risks attached to a property project, delivering you:

 

  • An analysis based on market reality, through in-depth, up-to-date knowledge of sector benchmarks both in terms of property values and the income generated by properties.
  • Decision support in assessing the quality of a financing package
  • A fair value of the hedged risk
  • A sound basis for estimating the minimum value of a property in the event of either a fair market sale or a forced sale
  • An acknowledged methodology through our experience with the main banks and lenders

Your Contact

MOULOUA Nabil

Nabil MOULOUA
Director Valuation BeLux
Valuation
Tel: +32 2 643 10 34

Contact


International
Knowing your local market in depth, anticipating your needs,
providing you bespoke solutions across every Carte implantations
stage of the real estate cycle of your assets…
these are BNP Paribas Real Estate’s commitments to make your issues our priorities.
 
 
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