TFL Vsebine / Revija SIR*IUS

Practical aspects of the valuation of real property for the purpose of secured lending

Področje cenitve nepremičnin je za banke pomembno zaradi številnih razlogov. Kljub temu banke rešujejo problematiko vsaka po svoje. Vse več bank uvaja v sistematizacijo delovnih mest za strokovne sodelavce za cenitve in upravljavcev zavarovanj, ki jih po navadi organizacijsko umeščajo v področja, ki se ukvarjajo z obvladovanjem tveganj. Tovrstni profili zaposlenih imajo nalogo oblikovanja ustreznih smernic za delo, skrb za vsebinski del povezanih poslovnih procesov in tudi nadzor nad kvaliteto oz. ustreznostjo cenilnih poročil. Pri tem se srečujejo s številnimi vprašanji in problemi v povezavi z nedosledno zakonsko ureditvijo področja ocenjevanja vrednosti za potrebe trga kot tudi s številnimi drugimi praktičnimi izzivi.

Banks are interested in valuation of real property for several reasons. Nevertheless, each bank resolves this issue in its own way. More and more banks now hire professional staff for real estate valuations and insurance management, usually employed in their risk management departments. Their task is to design appropriate guidelines for the work, care for a substantive part of related business processes, and control the quality and adequacy of property valuation reports. They are faced with numerous dilemmas and problems in connection with inconsistent regulations in the field of valuation for the needs of the market, as well as numerous other practical challenges.