Publications

Studies

The EMF-ECBC publishes in-depth legal, economic and statistical studies, surveys and notes on a variety of different issues of key relevance to EU mortgage and/or covered bond markets.These analyses focus on market trends from a statistical perspective, data definitions, interest rate variability, efficiency of the mortgage collateral, the valuation of property for lending purposes, to name but a few.

All of our studies are carried out using comparative analysis across countries and are
a valuable source of information for both our members and the EU institutions.

The European Mortgage Federation is pleased to announce the publication of the 2017 Study on the Valuation of Property for Lending Purposes, which provides comprehensive commentary on valuation practices for lending purposes across the European Union (EU) and beyond. With a view to endorsing and promoting the highest standards in property valuation, the EMF’s Valuation Committee has regularly updated and revised its Study on the Valuation of Property for Lending Purposes since 1998, to provide a deeper understanding of the context and technicalities of valuation practices in the EU. Indeed, accurate and transparent property valuation is essential to the mortgage lending and covered bond businesses on a number of crucial levels: from an origination perspective, in terms of risk management and capital adequacy, and for the issuance of covered bonds.

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