- Eugenia, in a nutshell: who the appraiser and what is it for?

- This is a specialist who can really help any consumer - both physical and legal entity. He can assess how much a particular property (real estate, securities, car, etc.). I must say that the appraisal is always done on a certain slice of time and she really, according to the Law on assessment activities and Russian standards number 519, for 6 months. After this you should confirm the value.

- What is the object of evaluation?

- If the object is in a property, we define the ownership, if the lease - the lease.

An appraiser determines the specific market value, assess, analyze the property, its location, the environment, using evaluative approaches, each of which there are many methods.

- What are the main approaches of evaluation activities?

- In general, in the assessment, there are three approaches: cost, comparative and profitable. Cost answer the question: how much is now at the current prices, for example, to construct the building? We determine the construction cost (plus likvidnuyu the cost of the land), minus those wear, which has gained the building over the maintenance period of time (physical, functional and external depreciation).

The comparative approach takes into account, how much was sold in a certain period of time (or put up for sale) some objects. Derived correction factors, determined by the basic element and on the basis of these calculations are made adjustments to prices.

And the third - the income approach. Here we consider the potential revenue. If we know the rental rates and operating costs, we are capitalizing income potential and get the value.

Depending on the destination of the object being reconciled report. If it is a commercial real estate, of course, the income approach has the greatest weight, if it is residential real estate - priority is given to the comparative approach. If you are assessed property on the primary market - expensive.

- Eugenia, in some cases, the population uses the services of an appraiser?

- Many people today would like to use one of the mortgage programs and can not afford to buy the right flat. The average "square" housing in the city range from $ 2.5 thousand to $ 3,2 thousand Not all have time or can accumulate the necessary amount for a down payment, but, say, own property, bail which can be missing.

In the same way - with any major consumer credit, when a person receives a loan against property, or when he wants to be sure of the cost of purchased. Services Estimator needed if you decide to sell or inherit property.

- Companies and enterprises use the services of an appraiser is often ...

- Yes, for the companies list of services is much broader. For example, a new legal entity and is paid a certain property in the authorized capital. The company was founded, is working, but do not have enough working capital, and she decides to take the credit. If a company or a company OAO, it may be an additional issue of shares. In order to conduct emissions to determine how much the cost shares. In all these cases, companies have resorted to the services of an appraiser. There are extraordinary cases, when someone from the founders decided to sell its stake in the company, or, for example, one company absorbs another, or merge several companies, or bankruptcy of the company. Depending on the stage of bankruptcy, according to the Law on Bankruptcy, an appraiser determines the market value of the assets of the company, its obligations. It also determines the market value of receivables.

- Assume a person has a flat, but he decided to improve their living conditions. How is the procedure for assessing property?

- Selling an apartment is not necessarily, you can get a loan against it. You apply in evaluating companies and contract for evaluation. Before 1 July evaluation activity has been licensed by from 1 July - a license revoked, but put forward a prerequisite: that the appraisal company or appraiser were to intelligent evaluation. Self-appraisal organization - a structure that controls the assessment activities. If you are a member of an organization - of course, to comply with its regulations and etiquette, pay membership dues. You're insured. Each appraiser must pay the insurance fee of $ 30 thousand rubles. That in case of errors organization could pay for them.

- So, a person comes to valuation firm that is a contract. What's next?

- Identifies the object evaluation. A person provides a copy of the certificate of ownership, such as this apartment, registration certificate, and we ask must extract from the Unified State Register. All this is necessary to determine the encumbrances on the property: Is it not laid down, sell it, etc. Also, when signing a contract, we request passport data. If a contract is concluded, then the estimate is not legitimate. Then arrange to meet at the facility. Return leaves appraiser conducts an inspection, we call it identity. Then on the basis of data obtained during the inspection facility, analyze the property and market analysis - say, the housing market in St. Petersburg for a certain period of time.

- How much time is evaluation?

- The cases are different, but the average score apartment takes about three days.

- Assessment is valid for six months, but we all have witnessed extreme price increases in the real estate market one year ago. How then are evaluated?

- If the client wishes to be reassessed because of the changing market situation, we conclude dopsoglashenie and adjusts prices.

- How much does an appraiser?

- Different. Depending on the company that makes the evaluation and assessment of what she does. There mezhotsenochnye agreement establishing a minimum price range, from which repel each other market participants. For example, the valuation of an apartment in St. Petersburg is of 3 thousand rubles. up to 5,5 thousand rubles. Score embedded space - from $ 500. Separate building - from $ 1 thousand Score of any business will cost the customer evaluation company in the sum of $ 3 thousand

If you meet appraisers or valuation firm, which is called less, most likely you need to think about the quality of such assessment.

- When an appraiser services can not be avoided?

- In fact, a professional appraisal is needed for any deal and is the official document. Report appraiser is required when getting a mortgage, the organization of companies that report on the evaluation of capital goes to Companies House. He also is required for issuance of securities, with an inheritance.

In summary, I would like to point out that the man, and the company, having the property some property, are often unaware of its real value. They can only suggest a price range in which this property may be sold, but the real market value can be determined only professional. This is a big and complicated job, which must take into account all the factors and conditions, and not always such work by virtue of non-professionals.