Our other missions



and versatility



Avis de valeur / Estimation immobilière

Real estate guidance
and strategy

Our teams support you through your real estate projects as they analyse property transactions, real estate development, brand establishment, portfolio reviews (Drive-by valuation or Desktop), investment studies, arbitrage and strategy or even mediation.


Your entire project is driven by a senior expert in property valuation.

Détermination du ratio LTV (Loan to Value)

Determination of the
LTV ratio LTV (Loan to Value)

The LTV (Loan to Value) ratio aims to measure the bank risk within the context of financing.



Definition and context


Each investor may have an attitude or specific needs towards financing. However, we have observed a real need of our customers in order to optimise risk and notably in determining the LTV ratio conditioning financing.


Definition of the LTV (Loan To Value) rate The LTV rate is a risk ratio corresponding to the ratio between the market value of the property (or market value) and the debt (or the principal balance of the mortgage).





A true specialist in this area, our valuer will express in its findings a ratio between the mortgage value and the market value of the property, making it possible to assess the lender’s risk in its search for the LTV (Loan To Value) ratio.

Actualisation immobilière

Present property value

This sedentary mission consists of regularly updating the market value and rental value of property depending on the needs of the customer.

Détermination de la valeur hypothécaire

Determination of the
mortgage value

In accordance with the Mortgage Credit Directive 2014/17/EU




Definition and context


“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).


This directive aims to create a EU-wide mortgage market that applies to property loans secured or unsecured by a mortgage. Member states will have to transpose their provisions into their national law by March 2016.


These measures which fall within the framework of better information and consumer protection should allow, over time, to rebuild and strengthen the relationship of trust between the borrower and the lender, by notably relying on the notion of “responsible lending”.


Credit institutions will have to ensure that the valuer responsible for the valuation possesses the necessary qualifications, that it is, as a minimum, affiliated with one of the signatory professional organisations of the Property Valuation Appraisal Charter and has therefore agreed to respect the standards decreed by said charter.





The most representative professional organisations of French property valuers, including the CEIF-FNAIM to which COFARIS valuers are accredited, have drafted and signed a Charter which defines the main rules and common standards making it possible, at the time of an appraisal, to guarantee that the mortgage amount taken out during a credit agreement correspond, today, to the true value of the property, and thus protects the borrower, tomorrow, if it was forced to part with the property prematurely.

Contact us

Service expertises et commercial : +332 47 34 87 82