Director of department on work with problem assets Sberbank Svetlana Sagaydak reported that about 70% of mortgages from banks – is real estate. Ms. Sagaidak noted that the bank has big questions for the assessment of collateral that are made, including by independent valuers. “When a lag of two weeks to make assessments, which differs in 30-40%, this can not be. The discrepancy may be, but not to such an extent “, – Svetlana Sagaydak indignant. In addition, she said, appraisers seriously increase the price, if the assessment can be considered in court. She gave an example, when choosing an appraiser for a major project representative of the first four said that “if our assessment would be challenged in court, the price is multiplied by two.” Agreed with her and the head of department on work with the guarantees of Alfa Bank Alexander Baktimirov: “Many brand appraisers refuse, if they knew that the evaluation will participate in the trial. Other companies see this as a matter of earnings and increase prices ».

Since the summer of 2008, with the valuation of the collateral Alfa-Bank is fully abandoned the comparative analysis and transferred to a profitable, that is, assessment is based on actual cash flow generated by the object, said Alexander Baktimirov. According to him, before the crisis, the bank succeeded in proving the need for early repayment of the decline in value of collateral. But since the crisis, he says, the courts have ceased to pay attention to it. “The courts estimate is not considered on the merits, and often the judge chooses the value of the contract”, – says Mr. Baktimirov, noting that in assessing the value of the collateral must be a market, rather than liquidation.

There is another problem, said Mr. Baktimirov. When it comes to court the proceedings, Drugs, it usually spoils the relationship with borrowers and the bank can no longer receive current information about the client, which also increases the cost estimates. “Our task is to evaluate the plant, which produced cars. Client does not provide current information, the court must submit a report that the value of assets fall significantly, “- the example of Alexander Baktimirov. He said that the asset is estimated by the representative of “Big Four”, who gave a positive conclusion in view of the investment, which should be realized at the plant – the company was supposed to provide a rolling cast.

« We have found an appraiser that we need to very significantly decrease the score “- shared his experience, Mr. Baktimirov noting that the appraiser was trying to find information on the incidence of pro-duction carriage works in the media, but information on such plants were practically no . “Then we proposed to start from the fall of the volume of traffic”, – says Alexander Baktimirov. But this appraiser was not enough, especially since the assessment was to be considered in court. As a result, according to Mr. Baktimirova, Alfa-Bank was forced to resort to the services very cheap valuation company.

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