exclusive partner of
Appraisal for mortgage purposes
Appraisal —What You Need to Move Forward with Your Mortgage
No rejections. An independent “ Appraisal ” accepted by all banks, backed by the guarantee of our exclusive partner, Tinsa by Accumin.
#1 according to our customers
Use the cadastral reference and save time by identifying your Property.
Why do you need a mortgage Appraisal ?
Discover the value of the Property
Determine the current market value of the property at mercado .
Terms of Your Financing
It can affect the terms of a bank loan, such as the amount granted and the interest rate.
Make a decision based on more information
It protects the buyer by providing accurate information so they can make informed purchasing decisions.
96% of our customers recommend our service at Appraisal.
Why Choose Us?
Benefits of Having Your Home Appraised by Tinsa by Accumin
100% certified
Legally accepted by all banks under Law 5/2019 on Real Estate Credit Contracts.
Complete independence
An objective appraisal based on technical criteria, independent of the lender from whom you apply for your mortgage.
Legal Proceedings
The largest local service network in Madrid— Barcelona, Alicante…—and throughout Spain.
Income Statement
An official, certified, and signed report within 3–5 business days* after visiting Property.
* These timeframes are approximate and vary depending on the type of order. Tinsa does not guarantee delivery times under any circumstances.
Trusted by financial institutions and government agencies.
A quick and easy process
How to Get a Home Appraisal for a Mortgage at
in 4 Steps
If you're missing something, don't worry—we can help you take care of it.
Online Application
By providing the location or cadastral reference of the Property and its characteristics, you will receive a quote, and as soon as you confirm it, the process will begin at Appraisal.
Technical Inspection
A licensed architect, technical architect, or engineer will contact you as soon as possible to schedule a visit to Property.
Preparation of the report
The value of the property at Property will be calculated based on the required documentation from Property , along with the property appraisal at mercado for the area.
's Reports
To ensure the accuracy of the data, we will verify all the details and send you the mortgage Appraisal report via email.
Why do you need a Appraisal?
One Shift, Two Responses
, on the Property
Take advantage of our technician's visit to find out the value and physical condition of the Property.
Nota simple
Without nota simple , there’s no legal Appraisal or secure purchase—find out if the seller is really the owner and what hidden fees there are.
Energy Performance Certificate
Assess the energy efficiency of the Property, identify potential savings, and attract more buyers. Without this legal requirement in real estate transactions , you risk fines of up to €6,000.
*Required by law for the sale and rental of real estate; failure to have one may result in fines of up to €6,000.
At your own pace.
Pay in 3 convenient installments.
Whether you're just requesting the Appraisal or want to add more services to learn more about the Property and reduce uncertainties before making a purchase.
Pay in 3 interest-free installments
Thousands of people now know the true value of their home thanks to Tinsa
What our customers say
It's all been very easy and quick; I've worked with them several times, and I can say they're true professionals.
Jonni Alonso
Verified purchaseExcellent customer service. The entire process was handled quickly; they provide their services with exemplary professionalism and have extraordinary expertise in the field. They made a process as tedious as a Appraisal very enjoyable, fast, and simple. We’ll definitely use them again. Thank you.
Javi Martinez de Lejarza II
Verified purchaseBoth times I requested documentation, and Appraisal , the service was excellent. Sales representative Lorena Parrilla was charming, and that makes it a pleasure to do business with them.
JFC Garage ||
Verified purchase
Frequently Asked Questions About Mortgage Appraisals
We clear your doubts
Una vez presupuestado un trabajo, el plazo de ejecución será de aproximadamente 5 días hábiles tras su aceptación y pago, la obtención de la documentación necesaria, la realización de la visita al inmueble (si es necesaria) y las posibles consultas necesarias a organismos públicos.
Este plazo podría incrementarse por la necesidad de documentación adicional u otras incidencias técnicas. Los plazos son aproximados y varían según cada tipo de encargo. Tinsa no garantiza en ningún caso el plazo de entrega.
Mortgage appraisals are regulated by the Banco de España Regulation ECO 805/2003, pursuant to Law 1/2013 of May 14. They must be performed by a qualified appraiser from a company approved by the Banco de España Tinsa.
A certified appraiser will determine the Appraisal value Appraisal home or Property various factors, such as location, local amenities, the type of building (single-family or multi-family) and the unit’s position within it, the Property floor area and layout, its views and natural light, the quality of construction materials, building systems, the elevator, shared amenities, age, condition, and other sustainability criteria.
The Appraisal report Appraisal the Appraisal value Appraisal property (on which the loan is based) and the reference amount used to determine the auction value (the minimum amount for which the property would be sold at auction if the loan is not repaid). This report provides security in the purchase, as it identifies any anomalies in the Property Registry, the Cadastre, or the property’s zoning status.
The validity period of Appraisal home Appraisal report Appraisal mortgage purposes is six months from the date the report is issued.
Once the bank has received the Appraisal, the timeframe for signing the mortgage is typically between 15 and 20 days. This timeframe will depend on the financial institution, the notary, the buyer, and the seller.
Once the transaction has been approved by the financial institution, an appointment is scheduled at the notary’s office for the signing, which is attended by the bank’s representative, the buyer, and the seller of the property.
Appraisals are documents that provide support and assurance for the monetary valuation of a Property :
- Sales Management
- Mergers
- Real Estate Valuation
- Expropriations
- Separation of property in divorce
- Inheritance
In addition, according to Article 2 of Regulation (EC) No. 805/2003, it is a mandatory document for:
- 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 Holdings of Pension Funds
The Appraisal value is Appraisal “high” or “low.” It is a mercado value mercado by a certified, independent appraiser after analyzing the property’s characteristics and mercado conditions, among other factors. People tend to refer to it as “high” or “low” because it is compared to the buyer’s or seller’s expectations or to the sale price, which is a value agreed upon by both parties.
A Appraisal will allow you to secure a larger loan. Even if the Appraisal value Appraisal lower than the purchase price, this does not prevent the sale from going through. The buyer will simply have to contribute a larger amount of their own funds (savings) to cover the difference between the purchase price and the amount provided by the financial institution (typically 80% of Appraisal value).
Conducting an Appraisal finalizing the purchase agreement allows you to verify, before signing the preliminary contract, that the sale price aligns with mercado value mercado the total amount you can afford based on your savings.
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