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What is an appraisal?

In order to obtain suitable security for the loan it will grant, the lender will demand an "appraisal" of the property to be mortgaged. This means that an entity duly certified to make such appraisals will determine its estimated value.

As the property (usually a home) is the main security for these transactions, its situation at the time the mortgage is granted (built or under construction, state of repair, location, etc.) exerts an influence on its value.

The appraisal value allows the stable value of the property one wishes to purchase to be estimated (which may differ from the purchase price) and will therefore condition the amount of the loan the institution is willing to grant.

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