When do you need an independent assessment at home

For transactions of purchase and sale, registration of a loan, insurance, inheritance documents are required to evaluate the home, which are drawn up by independent appraisers.

What types of value exist

Distinguish between cadastral and market value of the house, rarely matching in value.

Earlier, when preparing documents and real estate settlements, the inventory value was used, which was reflected in the BTI documents, but now it is not applied.

The cadastral value has come to the fore, since it is from it that taxes, the state duty for donation, etc. are calculated. Each house or land registered with the Unified State Register of Natural Resources has it. It is revised no more than twice a year, and no less than once every five years.

If you have not been interested in the cadastral value of your possessions for a long time, go to the Rosreestr website or to any MFC branch; its value may already have changed and does not correspond to that indicated in your registration documents. If you are going to buy a house, you can independently determine its current cadastral value by contacting the FMC or by visiting the Rosreestr website.

The price of real estate in the market

Market value is the amount by which you can purchase a house or land. It is influenced by the general economic situation in the country, the purchasing power of the population, the demand for real estate, and the characteristics of the property itself.

The market valuation of the house is used when registering an inheritance with a notary public, and conducting various economic and property disputes in court.

If the cadastral value is higher than the market value, it can be challenged by providing the court with an assessment of independent appraisers.

Who is involved in the valuation

Independent appraisal of houses is carried out by specialized companies of appraisers. Before concluding an agreement with them, find out if this organization has the right to this type of activity. The company's specialists must be registered with the SRO, have an insurance contract, certification, and specialized education.

The evaluation contract indicates the data on the customer and the contractor, the deadlines for the work, the methods that will be used. Evaluation of the house can be carried out together with the site on which it is located, all courtyard extensions, as well as separately.

What is taken into account to obtain an objective assessment

The category of residential houses includes any houses intended for housing: country, garden, country cottages and others.

The criteria for evaluating a home are:

• the area in which it is located, proximity to the city;
• social infrastructure and transport;
• materials of walls and floors;
• age of construction;
• area;
• number of storeys.

The price is also influenced by what communications are available on the site and in the house, the environmental situation of the area, the presence of burdens.

How are the evaluation results

The procedure for assessing the house is as follows. After choosing an independent appraiser who can be entrusted with this responsible work, a contract is concluded with him, which indicates the data of the customer and the company, a description of the investigated object, and the deadline for submitting the report.

After signing the contract, an independent appraiser begins to study the characteristics of the object. He goes to the site, examines him and the house. Using the results of the trip and the data of the documents submitted, he proceeds to the calculations.

Report Example

A report is formed on the assessment of the house according to the model, in accordance with the requirements of the law "On Valuation Activities in the Russian Federation", the Federal Valuation Standards, which list the required information and sections.

It consists of several of several sections that describe what is being assessed, taking into account encumbrances in the form of a loan or litigation, urban development plan of the territory, if changes are planned in the development of the microdistrict.

The report can use various assessment methods: costly, profitable, comparative, the situation for the area and the type of real estate are analyzed .

Consider an example of an assessment of a house intended for sale.

The report indicates:

Further, in the report on the assessment of the house in several tables, information is drawn up:

1. The description of the house is given: a residential building with an area of ​​500 square meters. m, located at Sevastopol, st. ___________ d. __.
2. The results of the assessment are described. For example, when using the costly method, a value of 37 754 000 rubles was obtained, and a comparative approach - 30 107 000 rubles.
3. Regulatory documents and standards are listed.
4. Tables with detailed location descriptions are provided.
5. The section on the condition of the house describes the materials from which it is made and how it is finished: windows - double-glazed windows, a door - metal, etc.
6. In the analysis section, the results of transactions with similar real estate are examined, and a recent drop or rise in prices is noted.
7. Based on the study, the objective value of the house and the plot is derived.

The market value of the house will be 33930500 rubles.

The home assessment report is stitched, sealed and signed by an independent appraiser.

Compiled and executed in accordance with laws and standards, it has probative value in court and in other instances.