Valuation of mortgage assets to handle debts

Valuation of collateral at commercial banks in Vietnam is still quite inadequate, internal to the bank, affecting credit quality. The independence in the valuation of collaterals will be an effective solution contributing to limit bad debts of Vietnams banking system.

In fact, recognizing the valuation work for overdue debt, bad debt and debt valuation is a tendency to be concerned and developed. As one of the most reputable and professional valuation companies, Indochina International Investment & Appraisal Company (INA) always strives to research in-depth regulations, methods, and research topics. debts to perform the most effective valuation. And with the trust of customers, INA is now one of the companies specializing in appraisal and implementation of contracts to evaluate bad debt handling projects as well as debt valuation.

Safety measures and improving credit quality are an important criterion to increase the financial capacity of commercial banks (commercial banks) and the valuation of collateral (TSTC) is extremely important and necessary. In fact, at Vietnamese commercial banks, financial assets are considered as a condition to limit credit risk. Compared with other countries, the service of price appraisal, especially price appraisal for commercial banks in Vietnam is still in an early stage of development, expressed through the following characteristics:

Most customers, when handing over financial assets to commercial banks often assess assets without professional advice, or refer to the "unofficial" information source. Therefore, prices are often overpriced or risk factors are not detected in the business options. This greatly affects the valuation process of TSTC.

The valuation of financial assets has always been an internal affair of commercial banks. However, the internal valuation of the bank does not meet the requirements of the market in the current period. In the past, the valuation of financial assets in banks was usually undertaken by the credit department, that is, credit officers and appraisers. Currently, many banks have set up independent pricing units, creating objectivity to ensure the interests of customers. However, each bank has its own method and process of valuation, there is no consensus among banks, so the implementation process still faces many difficulties. Due to conflicts of interest (banks and customers), due to limited experience, the valuation of TSTC is not true, too high or too low. Thats why hiring independent asset pricing companies is essential.

With many years of experience operating along with a nationwide appraisal system, we are proud to be the professional operating unit and provide the best service in the field of Valuation. Experienced and trusted by many banks as collateral appraisal company to handle debts for customers at the Bank

All the details please contact us:

Indochina International Investment & Appraisal Joint Stock Company (INA)

Address: 121 Nguyen Van Troi, Ward 12, Phu Nhuan District, Ho Chi Minh City
System of branches and transaction offices nationwide see HERE
Hotline: 0934 252 707 / Email: info@inavn.vn