For buyers: prepare the valuation around your purchase

What this page answers

If you are buying in Rotterdam, start the valuation question with the lender, report recipient and finance deadline. Then collect the property papers and ask the same questions of every property appraiser.

The guide to valuation when buying a home follows the timeline in more detail.

Before you make an offer

Write down why you need a value and which date matters. You may want price orientation before an offer or a report for a mortgage after an agreement. Public sales information can help you form questions. Kadaster explains Koopsominformatie and the details it contains.

That information has a date and a broad scope. It does not decide whether a lender accepts a report or whether the home fits your finances.

Prepare the mortgage valuation brief

Ask the lender:

• which report type is accepted;
• whether validation is required;
• which valuation date applies;
• when the report must arrive.

NHG describes physical valuation requirements. A lender can add conditions for its own file.

Put property papers in one place

Keep the listing or purchase agreement, drawings, permits, energy label, ground-lease information and renovation details together. An apartment may also need the deed of division, owners’ association papers, service charges and planned maintenance.

Tell the appraiser when a paper is missing. Mention a monument, lease, planned work or unusual right at the start. A known gap can then be handled in the report process.

Place the dates on one calendar

Write the offer or agreement date beside inspection, valuation, report delivery and finance deadlines. Ask what happens if the report needs a correction or the home changes before delivery.

The reasonable challenge is that a valuation can inform a purchase without answering every buyer question. Keep lifestyle, condition-survey and affordability decisions with the responsible person for each matter.

Common mistakes

• Ordering a report before checking the lender’s conditions.
• Treating the WOZ value as the current market value.
• Sending different property facts to different providers.
• Hiding a renovation or lease until after the inspection.

Next steps

Write one brief with purpose, address, property type, date, recipient, deadline and available papers. Send it to the providers you want to compare and use the contact form for a question about the platform.