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We answer the most frequently asked questions you may have when purchasing or requesting a service online with Tinsa by Accumin from our online store.
A valuation, understood as the informed opinion of an independent expert, is always valuable and particularly necessary in a sector such as real estate, given the current economic climate. The mercado is not a mercado , and it is essential that the real estate appraiser be an independent professional with sound judgment and rigorous standards. Therefore, a valuation by an Appraisal firm Appraisal Tinsa combines the professional expertise and training of its appraisers with the strength of an organization that has been providing appraisal services since 1985.
One of the distinctive features of mercado is its segmentation, both geographically and functionally. There are local markets with different behaviors, depending on their location and intended use: primary or secondary residences, street-level retail spaces or those in shopping centers, offices, industrial warehouses, rural properties… This makes it more difficult to fully understand all the mercado situations mercado arise, which in turn requires a level of specialization achievable only by a competent professional supported by a Appraisal firm.
In addition to promoting transparency in commercial transactions, appraisals conducted by an Appraisal firm are a mandatory document for certain purposes, including those defined within the scope of application under Article 2 of ECO 805/2003:
- Mortgage collateral for loans
- Coverage of insurance companies' technical reserves
- Determination of the net assets of real estate investment trusts.
- Determination of the real estate assets of pension funds.
A valuation conducted by an Appraisal firm Appraisal not only a well-founded opinion from an independent expert, but also a document that provides support and assurance whenever it is necessary to determine the monetary value of a Property.
Among these situations, the following are worth noting:
- Sales Management
- Mergers
- Real Estate Valuation
- Expropriations
- Separation of property in divorce
- Inheritance
The methodology behind our assessments is outlined in two key documents:
- ORDER ECO/805/2003, dated March 27, on valuation standards for real estate and certain rights for specific financial purposes. This is a nationwide regulation that is mandatory for certain purposes and defines the checks and methods most commonly used in valuations.
- International Valuation Standards, currently in their eighth edition (IVS-2011). These are international standards formulated and published by the International Valuation Standards Committee (IVSC), which constitute a common international framework.
Although both regulations represent generally accepted valuation principles, in some cases outside these legal frameworks—and taking into account the purpose of the valuation—other criteria and methods may be used, such as cadastral valuation, expropriation valuation, valuation based on specific scenarios in judicial proceedings, and others.
The procedure we follow for our appraisals ensures that, in addition to the appraiser’s fieldwork and individual assessment, they undergo thorough technical review by our supervising appraisers.
Our team of experts will verify all the information to ensure the accuracy of the data and will deliver your official Appraisal by email.
The appraiser in the assigned area will contact you as soon as possible to arrange the visit and you will also receive their details by SMS in case you need to contact them directly.
You will receive the official Appraisal report purchased from the Tinsa website by email. The file is a PDF digitally signed by Tinsa, you can check the signature using our free digital signature validation service.
This is the documentation you will need to have to give to our technician:
- Nota simple less than 3 months old or copy of the deed to the registered property
- Property cadastral reference
- Property plan (optional)
It is a report drafted and signed by a qualified company or a competent technician that includes objective information on the energy characteristics of the Property, indicating its energy rating and the primary energy consumption that would need to be transformed to meet its energy needs.
It is a document whose format is regulated, which includes the rating resulting from the energy efficiency certificate, after its registration in the Ministry of Industry of the Autonomous Community. It is mandatory to obtain it and even its exhibition in the case of buildings that provide public services.
The registration of the energy efficiency certificate in the corresponding autonomous community is mandatory. After registration, a registration number and proof of registration are obtained. The registration of the energy efficiency certificate is subject to fees in certain Autonomous Communities. These are variable in the different Communities that have them established.
All buildings under construction are required to have energy certification in the project itself, which must be completed when the works are finished. For buildings already built, energy certification is mandatory for all those that are marketed, sold or rented. It is up to the owner to obtain it.
In general, all properties considered "non-habitable" are exempt from certification. Among them, the following are the most relevant:
- Solares
- Parking spaces and parking lots
- Storage rooms
- Premises in the rough
- Detached buildings of less than 50m2
- Industrial buildings without offices. The office part of the industrial buildings with a surface area of more than 50m2 will be subject to CEE.
The energy performance certificate will be valid for 10 years. The owner may proceed to update it, on a voluntary basis, when he considers that there are variations in the building or in part of it, which could imply alterations in the energy efficiency certificate previously issued.
In general terms, there are two main actions on which to focus savings:
- On the one hand, by acting to cut energy losses in the Property, improving the characteristics of the envelope and construction elements, such as facades, roofs, windows and glass, thermal bridges, etc.
- On the other hand, by increasing the performance of air conditioning and domestic hot water production systems, such as boilers, accumulators, and, in general, of the equipment installed to provide comfort to users.
The energy rating evaluates the needs of the Property, both in terms of primary energy required to meet the building's consumption and in terms of harmful emissions into the atmosphere, the latter focusing on carbon dioxide (CO2). There is no unification at European level in terms of a common scale, so each country establishes its own assessment. In Spain, the energy efficiency scale ranges from letter A (the best) to letter G. Currently, the rating reflected on the energy label is that corresponding to CO2 emissions, although it is likely that, in the near future, both indicators will be reflected on the same label.
From the time the necessary visit is arranged, the certification is done in 2-3 days in general terms. Registration and the corresponding label depend on the respective Autonomous Regions. There are Autonomous Communities in which the label is obtained on the same day as the registration and others in which the issuance of the label is significantly delayed.
The energy performance certificate report is generated and made available to the client directly by e-mail and in PDF format.
The estimate includes an appraisal of all the furniture and household goods you need (we will ask you to provide a lista of the items to be included). This appraisal is a meticulous process that requires the involvement of experts who rigorously analyze each item and prepare a report detailing the total value as well as the individual value of each item.
A basic report must be submitted within 7 days of the technician's visit. However, this timeframe may be extended depending on the complexity and volume of items to be included in the assessment.
We will contact you to find out which items and personal belongings you need appraised. Once the estimate is approved, we will work with you to schedule the most convenient time for the appraiser to visit.
The appraisal is always conducted through an in-person visit anywhere in Spain. The appraiser visits the property and inspects each item to be included in the report, noting its specific characteristics (type, condition, age, and other information relevant to the appraisal).
Yes, they can be included, but when we contact you, you'll need to specify that you want to have these types of items appraised, and they will be quoted separately.
It depends on the total value of the estate ( herencia). The greater the deceased’s estate, the higher the absolute amount of that 3%—and if the estate is worth less, a tax deduction ( Appraisal ) can reduce the taxable base and, therefore, the tax liability.
The Supreme Court (in rulings 342/2020 and 499/2020, among others) has recognized that a taxpayer may demonstrate a value other than 3% by providing conclusive evidence. An appraisal report is the standard means of providing such evidence.
Yes: Inheritance and Gift Tax must be paid within six months of the date of death, so it is advisable to request the appraisal well in advance.
In separation proceedings, there are no time limits established by law; rather, they depend on the specific judicial or negotiation process.
It may be requested by one of the spouses, by both spouses by mutual agreement, or may be ordered by an attorney or the court as part of the proceedings.
Yes, provided they can be removed or transported without breaking or altering the piece of furniture or element from Property in which they are located (for example, a countertop microwave or an easily removable built-in appliance). Items that require construction work or alterations to Property in order to be removed are not included.
Registering in Tinsa Store is not a prerequisite. You can pay any offer made by Tinsa without registering on our website. In order to request reports, both statistical valuations and appraisals, from Tinsa Store , user registration is required.
We will only need your first name, last name, telephone number and e-mail address.
After entering the minimum data for registration, the system will send you the access password to the e-mail address you used. You can change it from your user panel at any time. Registration will allow you to purchase statistical valuations, bonds, appraisals and energy efficiency certificates. You will also be able to know in your user panel all the orders placed in Tinsa Store.
To access your account you only need to enter your email and password. In case you do not remember your password, you can use our password regeneration service to have a new password sent to your email address after validation.
Tinsa uses the payment platform of Ingenico ePayments, the online and mobile commerce division of Ingenico Group, which is used by more than 65,000 customers worldwide in 170 countries. You can use your Visa or Mastercard credit/debit card to pay for jobs at Tinsa Store. At Ingenico ePayments, the security of your payments is in your best interest with firewall-protected servers, all sensitive information obtained by Ogone over the Internet is encrypted according to the bank-grade 128-bit SSL standard, the credit card number is sent only to the financial institution processing the transaction, communications with financial institutions are carried out in accordance with the transmission and security protocols established and certified by the institutions themselves, and Ogone is certified AIS, SDP and PCI-DSS compliant.
To pay for an order at Tinsa Store you only need to have your Visa and/or Mastercard credit/debit card at hand.