Valuation report: purpose, contents and checks
Prepare and review a valuation report by checking purpose, property facts, dates, validation, comparable sales and recipient.
Start with purpose and recipient
A valuation report belongs to an assignment. Write down why you need it, who receives it and which value date applies. A lender, buyer, seller or other client can set different conditions.
The guide to a valuation report for a Dutch mortgage adds mortgage-specific questions.
Read the report in order
1. Property facts
Check address, property type, floor areas, ground lease, maintenance, renovation and apartment information. Send a correction with the document that supports it.
2. Dates
Put valuation, inspection and report dates next to each other. The conclusion relates to a stated date, and delivery can happen later.
3. Comparable sales
Read which homes were used and how differences were explained. Kadaster describes Koopsominformatie, which can help you ask about public sale information.
4. Validation and recipient
Ask whether validation is required and which institute is accepted. NHG sets out physical valuation requirements.
Verify before you send it
Compare the final report with the original brief. Check that recipient, report form, dates, address and property facts match. Note missing papers, assumptions and questions for the appraiser.
Validation reviews a report against an institute’s rules. The lender still decides whether the document fits its application.
If something needs correction
Ask the appraiser about a factual error, missing paper or changed home. Ask the lender how a correction affects its deadline. Keep the two answers separate because the responsibilities differ.
Next steps
Use the NWWI guide when validation is involved. Use the contact form for a question about this page.
This website provides general information. Confirm decisions with qualified sources or professionals.