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Topic : Approaches to Valuation in M&A
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Valuation: What matters?

 

Market Valuation vs. Mortgage Valuation

Created by : Surender Singh, Associate, HDFC Bank  | 08 19 2008 23:43:24 +0000
Industry : Equity Research/AnalyticsFunctional Area : Valuation(Corporate Finance)
Keywords : Mortgage Market Valuation
Activity:  291 views;  last activity : 07 06 2010 20:18:09 +0000
What is a property's really worth?
  
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Market Valuation Vs Mortgage Valuation
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Although what you say is definitely true, I think its an ideal situation which hardly happens in reality. My opinion on Land is that its a non-tangible asset. Hence there's nothing called Market Valuation and the price of the land is just what the buyer is ready to shell out...Correct me if I'm wrong!
By Subrahmaniam N R, BD Manager, Quadrile Management Services Private Limited  08 29 2008 03:02:19 +0000
 
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Mortgage valuation is fundamental to bank lending decisions. Valuation for mortgage is on the same principle as if for sale, since, the lender, in order to realise the security can take advantage of the power of sale. Empirical evidence above suggests that estate surveyors and valuers in the country are doing a very good job of price estimation through mortgage valuation. It is the responsibility of the valuation profession to ensure that uncertainty in mortgage valuation is minimized in order to provide more meaningful valuation advice. Perhaps, the way forward could be through the availability of centralized data base to which all valuers would have access.
By Karthikeyan P S, Associate, ABN Amro  08 19 2008 23:44:45 +0000
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With respect to  a market valuation, it depends on how much you want a property and how motivated the vendor is for a sale. The correct definition of a property’s value would be the price at which a willing, informed seller would freely dispose of the property and the price at which a willing, informed buyer would freely pay for the property.  If those two parties were to agree then that would be a genuine measure of a property’s worth.
By Surender Singh, Associate, HDFC Bank  | 08 19 2008 23:43:24 +0000
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