Appraising properties is an important step of the loan which have the guarantee property. This is the first step of bank too when they think about ability to permit your loans. So how does the appraisal properties process for loans of banks of Việt Nam work?
At present many people, offices normaly find out banks to rent the money to do something like buying the house, the car or bussiness investerment. When you want to rent the money from the bank the most important thing is you must have the mortgage property. the more valuable the collateral is the higher the credit index will be. In contrast, the lower valuable the collateral is, the more fluctuant of the value of the asset according to the market trend, the lower the loan limit, the harder it is to meet the desired needs of customers.
Depending on the value of the loan and the purpose of the loan we could use many kind of collaterals. The higher value of the collateral is the higher ability to guarantee loans limit. In contrast, the lower valuable the collateral is, the more fluctant of the value will hard for loans which customers hope.
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So how does we know the value of your properties by viet nam currentery? This property must be appraised, this is an important step of banks to decide the loan limit. Each bank will have different method to have the final value of collaterals. at the present many bank compaire together so will have a lot of promotion for the loan
Thus, the appraisal for bank loans is the act by the bank or the price appraisal company to inspect, consider and analyze the mortgaged assets (red book of pink book, right to contribute business capital, savings book ... ) to determine the customer loan limit
