Property Valuation

Definition

A certified valuer (appointed by the lender) assesses property value considering location, area, age, condition, construction quality, amenities, and comparable sales. The valuation report determines maximum loan amount via LTV ratio.

If valuation is lower than purchase price, the borrower needs a higher down payment. Different lenders and valuers may arrive at different valuations for the same property.

Frequently Asked Questions

Who conducts property valuation? ▾

The lender appoints a certified valuer who physically inspects the property and provides a report. The borrower typically bears the valuation fee.

What if valuation is lower than the property price? ▾

The loan amount is based on the lower valuation, and the borrower must arrange the difference from personal funds.

Can I dispute a low valuation? ▾

Yes, you can request re-valuation, provide comparable sale deeds, or approach another lender whose valuer may assess differently.

Why It Matters

Property valuation determines maximum loan amount. Fair valuation ensures adequate funding, while undervaluation may require arranging additional funds.

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