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Manila: 5th Floor, Regus - Adriatico Square, M. Adriatico St., corner Gen. Malvar St., Malate, Manila, Philippines / Tarlac: B63 L25 Cristo Rey, Capas, Tarlac, Philippines 2315
Before approving any loan, lenders need to verify your property’s true market value—this is where professional appraisal services become essential. Whether you’re applying for a Pag-IBIG home loan, refinancing an existing mortgage, or securing a home equity line of credit, an accurate appraisal protects both you and the lender by ensuring fair loan terms. Without it, you risk borrowing too little, paying unnecessary fees, or even having your loan denied—making this step critical for a smooth and successful financing process.
Bank Loan Appraisal
This service determines the accurate market value of your property when applying for housing loans through Pag-IBIG, banks, or SSS/GSIS.
The appraisal helps financial institutions assess the property’s worth to determine your loanable amount.
It protects both the lender and borrower by ensuring the loan amount aligns with the property’s actual value.
Refinancing Appraisal
This valuation assesses your property’s current market worth when you want to replace your existing mortgage with a new one.
The updated appraisal helps secure better loan terms, interest rates, or increased loan amounts.
It provides documentation showing your property’s appreciation or current market position for refinancing purposes.
Home Equity Loan Valuation
This appraisal evaluates how much you can potentially borrow against your property’s equity.
It calculates the difference between your property’s current value and your remaining mortgage balance.
Lenders use this valuation to determine your maximum loan amount while maintaining safe loan-to-value ratios.
Private Lender Appraisal
This service provides property valuations for loans from non-bank lenders or private investors.
It follows the same rigorous standards as bank appraisals but caters to alternative financing scenarios.
The appraisal helps private lenders assess risk and determine appropriate loan terms for their investments.
Our mission at Ringor Appraisal has always been to help property owners/ stakeholders provide accurate and unbiased property valuations to facilitate fair transactions in the Philippine real estate market.
Knowing the fair market value in the Philippines is crucial for making informed decisions in real estate transactions, ensuring fairness, transparency, and accurate pricing.
When determining market value, we consider various factors including the property's location, size, condition, comparable sales in the area, current market trends, and any unique features that may affect its value.
The appraisal process duration varies depending on the property's complexity and availability of data. Typically, it takes 3 to 5 business days from the date of inspection/ valuation. Steps include property inspection, data analysis, market research, valuation methods application, and appraisal report generation.
Market value is the price a willing buyer and seller would agree upon in an open market, whereas zonal value is the value assigned to a property by the local government for tax purposes specifically by Bureau of Internal Revenue (BIR). While market value is influenced by market dynamics, zonal value is determined by the government based on a fixed formula.
Yes, our appraisal reports adhere to the standards set by the Philippine Valuation Standards (PVS), International Valuation Standards (IVS), Uniform Standards of Professional Appraisal Practice (USPAP) and comply with the guidelines established by the Professional Regulatory Board of Real Estate Service (PRBRES) under Professional Regulation Commission (PRC) to ensure accuracy, reliability, and regulatory compliance.
The validity period of the appraisal report is six (6) months from the date of inspection/valuation.
Yes, upon completion of the appraisal, you will receive a comprehensive appraisal report outlining the property's market value assessment. The report includes detailed information on the property's characteristics, valuation methodologies employed, comparable sales data, and our expert analysis.
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