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Selected Approaches to Property Valuation for the Securing Bank Debt

Author

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  • Ewa Siemińska

    (Uniwersytet Mikołaja Kopernika w Toruniu)

Abstract

This paper analyses the issue of property valuation for the purposes of loan security. The points of view of the banking sector and its supervisor, which are responsible for the level of credit risk, is taken into consideration. As banking practice shows, the risk may be largely dependent on the quality of real estate appraisals taken as security for a loan. The paper presents some aspects of the property appraisals for the purposes of loan security, which is used in different types of systems to monitor the credit risk level and which may, together with other factors, affect the stability of the banking system, and ultimately the stability of the entire financial system.

Suggested Citation

  • Ewa Siemińska, 2017. "Selected Approaches to Property Valuation for the Securing Bank Debt," World of Real Estate Journal (Swiat Nieruchomosci), Fundacja Uniwersytetu Ekonomicznego w Krakowie, issue 99, pages 9-14, March.
    • Handle: RePEc:kra:journl:y:2017:i:99:p:9-14
    DOI: 10.14659/worej.2017.99.02
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    File URL: http://swiatnieruchomosci.krakow.pl/pl/sklep/pojedyncze-artyku%C5%82y/2017/numer-99/artyku%C5%82-99-02
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    More about this item

    Keywords

    property; property value; bank debt; risk;
    All these keywords.

    JEL classification:

    • R30 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - General
    • G10 - Financial Economics - - General Financial Markets - - - General (includes Measurement and Data)
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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