According to the law on mortgage, appraisal of property – a mandatory event with obtaining mortgages. Interested in evaluating primarily the creditor banks: they need to ensure that the collateral (housing) can be sold for the amount that has been issued as a mortgage loan for its purchase. The estimation of professional organizations. Typically, the bank has one or two partners appraisers and mortgage borrowers should enjoy it with their services.
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The report of the appraiser determines the market value of housing. At this price mortgage housing can be sold within a reasonable time if the borrower can not repay the mortgage loan. On the basis of the value determined by the appraiser, the bank gives the borrower a loan. If the seller asks for a large housing price than that which determined the appraiser, the borrower will have to seek additional funds to cover the difference between the amount the seller is asking, and wallet, which provides mortgage.
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