Valuation of current debt is a problem the company now pays attention, especially for the banking institutions, the analysis and valuation of debt as necessary.
Valuation of real estate mortgaged to banks
For banking activity valuation of real estate mortgage have important implications, is the basis for decision making for lending, investments, capital contributions, funding to projects, contributing to limit bad debts and credit risks. However, in the commercial banks now this work is weak due to lack of information from the market, employees lack the initiative and creativity ... leading to the valuation of real estate mortgage is not accurate, resulting in determining lending wrong with reality.
One of the important causes of bad debt that has TSTC at the current NHTM is that the real ESTATE is in high proportion, or the PROPERTY bubbles in Vietnam as well as countries in the world are due to false pricing, improper value of assets.
On 28/8/2015, the SBV issued circular 14/2015/TT-NHNN specified to evaluate the price of bad debt at the present time, ie according to market value. This is considered a positive dynamic that helps to handle bad debt more quickly.
With the current situation to ensure credit safety, the solution tightens TSTC conditions and especially mortgage property is the most suitable option. Because the real ESTATE market situation is not really sharp, the liquidity is poor, the TSTC valuation will be a "fence" of customer screening. Prior to the current economic picture of the present, the major advocates of the government on the restructuring of industry, state enterprises, the restructuring of NHTM, monetary fiscal policy cautiously... Will affect the credit activities of the NHTM. Therefore, it is recommended that organizations stand independently in the TSTC pricing so that TSTC values are properly appreciated and credit precautions.
Valuation of debts from specialists of Hoang Quan Appraisal Company.
As a company that operates in the field of valuation with many years of experience has provided many services to customers in the country achieve high quality. At present, HQA has captured the credibility of businesses of all economic sectors and has gradually affirmed its capacity as one of the few units providing specialized services for valuation in Vietnam.
To cater for its services such as debt valuation, stock company valuation, housing valuation, enterprise valuation, asset valuation... Among other services, with a team of professionals with full experience and proficiency in many fields of industry are doctors, Masters, curators, financial experts, experienced banks to give customers the perfect valuation service.