Limiting conditions and the statement Valuer assessment reports

Assessment reports submitted by the company one of the Valuer to the Bank Loan to load more or less the following: 

• Introduction letter (letter of transmittal), load introduction, the term assessment, resume of value and approach to get the value. 

• Statement of valuer

• Description about the property.

•  The factors that affect value.

• Map of the situation, Land and Building /Lay out or the lot plan of land 
  Photographs of the property assessed.
  

Statement of Valuer.

In a statement Valuer, staff and experts appointed by that individual or team has been working with a professional. Approximately like this is its content: we marked under the hand of this states that: True has conducted research and examination of the properties mentioned above, we have to do on the 20xx-xx. In the limit of our ability and confidence as a scorer, we marked the hand below explain that statement in this report which is the basis of the analysis, opinions and conclusions are described in it are correct. Furthermore this report describes all conditions that affect the barrier analysis, opinions and conclusions. This report has been prepared in accordance provisions Ethics Association and the applicable approved local government and also in accordance with the provisions of international standards Professional

Limiting conditions.

Restrictions on the conditions, which is described in the general assessment process so that more focus. The an example:

• In the scope of this assessment it is assumed the status of assets in the ownership of a valid condition and free from dispute, pure and specific agreement of the burden of debt and mortgages.

All copies of documents provided by the taskmaster, or shown to us in the assessment of this asset, we are legitimate, according to the true reality of this fact, and if in the framework of commitments, the document will be reviewed legitimacy by supporting the profession or the authorities to task .

• The overall number of assets from the value reached in this report reflect the unity of substance on the value of all assets included in the scope of the assessment, the effort to separate one or more of the value of assets with a particular interest and will make the assessment report does not apply, except when it is considered before and assessment described in the report. 

In this assessment process is considered on the condition of assets that have been found in the observation field, but does not check the structure of the buildings or parts of assets that are not visible and not affordable as the foundation and parts of the other closed. 
Assessment report is limited to the client and only for the purpose and goals as written in the report. 

• Rating limited effect on the assessment and opinion on the conditions, usage, and other based on the results of observation on which is written in the report. 
  In conducting the assessment that this asset, we do not check the completeness / conditions must be met fastening the withdrawal rights as collateral dependent, and therefore if this report is aimed as a basic policy of credit by banks, the banks are obliged to check and ensure the requirements these requirements-including the aspects of legality. 

Value of assets reported in the currency or Indonesia Rupiah, unless otherwise stated. 

• Asset that is not built to use and / or contain material that is harmful and dangerous.

If no agreement previously agreed upon, PT xyz is not obliged to attend to give testimony on the legal assessment of assets before the government agencies or other judicial institutions.

• Assessment report is not legally valid if they are not printed on paper and seal official PT. xyz and signed by the appointed company. 
  

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Tips to buy second homes

I would like to share experiences, such as saying "regret and no sense". Many people buy second homes, says sad. Cost incurred far more than originally estimated. Before you make the decision, buying second homes, following my experience when buying a house a few years ago

1. Check the location 
The location to be decided before the first choice, whether I should buy or not. 
Is location the flood?. The word "flood" a word which is very creepy. When the flood, we can automatically switch to another location option. 

Whether the road width in front of the house can pass the four-wheel drive vehicle?. This is important, other than the plan we will buy the car at the time of the next, the road width to be important factors for access to our house. Of course, the road width should be proportional and the minimum two-meter. If you choose less than two meters, so please only. 
Position T-intersection, hook or interior lot? This should depend on the buyer tastes. T-intersection is usually not too be like. 

The better the location, the higher add value also in the future. Moreover, if we plan to sell in the future.

2. Check the physical condition of the house 
At the time the house will be offered to us, once-tidy and looks good. Moreover, we would like to buy a property through the agent, usually in the house make-up in such a way .. Is it true that such a house? This requires accuracy. Usually, prospective buyers feel ashamed check, part of the house that is hidden. Moreover, we can be big money, and suddenly we have to buy a home because of urgent need.

Usually when the age of the building more than ten years requires additional cost in repairs. If such as roof repairs, improvements or plafond that are physically visible, it is already clear. We must consider before deciding to buy. What about the house that is not visible? Channels such as clean water, dirty water lines, installation of electricity. What is obsolete? This needs to be checked. Try to see how the bathroom, try and dispose of in water with volume more than the rights (such as a bucket). When the water flows smoothly in both the channel water and unclean water, so hopefully the good channel. Turn on the lights and ask whether the electrical power. Whether electrical power is in accordance with the standards you taste?

Check also the layout of rooms, living room, kitchen and stairs (if the two-floor) and do not forget to see the clothes horse, not until the season is closed in the room. 

This is the most important source of water (if PAM, so no problem). When the source of clean water from ground water using wells pump? Moreover, the position of ground water resources located in the kitchen, this can disrupt the next day, when water needs to be land.

3. Check the land certificate. 
If you do not want to check difficult through, please by professional services, such as a notary. 
Usually a certificate in home housing complex is still bound by the bank lender. So be careful. At the time of the transaction, who bear the costs such as notary fees, services, sales agent, taxes, land and buildings that have not been paid in (this can create a long process transactions). 

4. Ask for the price of the house is reasonable, from a professional in the field, such as a valuer/appraisal. 

5. If you already throw in the option, while doing research on the house, try Down payment may be small, so you can avoid further losses. Transactions do better in the Bank or in front of the Notary.

With happy, if you want to add, Hopefully useful

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