Expertise immobilière

A field

Property Appraisal




Our valuers in property appraisal have been trained at the Institut de l’Expertise, the ESSEC Business School of Paris and the ESI (Ecole Supérieure de l’Immobilier of the FNAIM) in Paris la Défense.


All our valuers comply in their property appraisal missions with the Property Valuation Appraisal Charter (5th edition – October 2017) and with the 2020 European Valuation Standards published by TEGoVA (the Blue Book, 9th edition).


Each valuation report is signed by our valuer in charge of the mission, subject to the approval of the Professional Third-Party Liability of COFARIS EVALUTATION.

Our mission in propery appraisal


Our property valuations are the result of field work and allow you to assess a complete report:

  • Study of the physical and technical factors
  • Study of the legal and tax factors
  • Study of the socio-economic factors
  • Valuation methods depending on the mission (direct comparison, capitalisation, DCF,…)
  • Analysis of the situation and property market
  • Analysis of the elements of added value and depreciated value
  • Analysis of the market references
  • Viewing of the property with photographs
  • Determination of the market or rental value of the property
  • Determination of the forced sale value (in case of auction sale)
  • Determination of the mortgage value (risk optimisation in the granting stage)
  • Determination of the LTV ratio (Loan To Value: essential ratio between the market value and the mortgage value)

Property appraisal always intervenes
for the sake of objectivity!

souci d’objectivité

Property appraisal is made under different circumstances: granting of loans, financing, amicably, disputed… always done objectively !

Contact us
Déterminer la valeur hypothécaire

the mortgage value


The valuers of COFARIS EVALUATION are very specifically specialised in determining the mortgage value of an immovable property.


“The mortgage value corresponds to a valuation which must be assessed conservatively in order to sell the property over time. It relies on the notion of stabilised income over time”. Extract from the Property Valuation Appraisal Charter (4th edition / October 2012).


“The objective of the mortgage value of is to provide a long-term sustainable value, which assesses the adequacy of a property as collateral for a mortgage loan irrespective of any future fluctuations of the market and according to a more stable principle. It provides a figure, generally lower than the market value and, consequently, able to absorb the long-term fluctuations of the market, whilst reflecting with precision the long-term underlying trend on the market”. Extract from the report of the European Mortgage Federation on mortgage value, quoted by TEGoVA (European Valuation Standards 2012) and by the RICS (Royal Institution of Chartered Surveyors).


For more information about our “mortgage value” service click here