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Bank lending valuations and mortgage lending value [electronic resource]

By: Language: English Series: RICS Professional StandardPublication details: London, RICS, October 2025Edition: 2nd edISBN:
  • 9781783215607
Subject(s): LOC classification:
  • 333.332 $2 18
Online resources: Summary: This updated professional standard, effective from 1 January 2026, is essential for RICS members providing valuation services for bank lending purposes in or subject to EU jurisdictions. It also serves as a valuable resource for borrowers, lenders and regulatory authorities to better understand the evolving valuation landscape. The second edition of this standard has been revised to reflect significant regulatory changes, particularly the new Basel 3.1 guidance and the EU's Capital Requirements Regulation (CRR III). These updates introduce ‘prudently conservative valuation criteria’, which will have a major impact on how property valuations are conducted for secured lending. Summary: On 12 December 2025 this professional standard was reissued to update section 3.2.2 (Spain) following the enactment of the Spanish Ministerial Order ECM/599/2025, effective from 12 August 2025. This Order mandates changes to valuation requirements, particularly concerning mortgage lending value and sustainability criteria.Summary: Replaces 1st edition ISBN 9781783212293 which was in place 1 June 2018 to 31 December 2025
Holdings
Item type Current library Call number Status
Online material Virtual Online ONLINE PUBLICATION (Browse shelf(Opens below)) Available

This updated professional standard, effective from 1 January 2026, is essential for RICS members providing valuation services for bank lending purposes in or subject to EU jurisdictions. It also serves as a valuable resource for borrowers, lenders and regulatory authorities to better understand the evolving valuation landscape.

The second edition of this standard has been revised to reflect significant regulatory changes, particularly the new Basel 3.1 guidance and the EU's Capital Requirements Regulation (CRR III). These updates introduce ‘prudently conservative valuation criteria’, which will have a major impact on how property valuations are conducted for secured lending.

On 12 December 2025 this professional standard was reissued to update section 3.2.2 (Spain) following the enactment of the Spanish Ministerial Order ECM/599/2025, effective from 12 August 2025. This Order mandates changes to valuation requirements, particularly concerning mortgage lending value and sustainability criteria.

Replaces 1st edition ISBN 9781783212293 which was in place 1 June 2018 to 31 December 2025