Whether it is to assess the risk associated with mortgage loans, analyze the existing portfolio, comply with regulatory obligations or offer wealth management advice to their clients, our team is there to support private banks.
Our team provides its expertise to business and investment banks that support their clients in large-scale wealth structuring operations, whether in mainland France, overseas or in border areas.
A preferred partner for retail banks with the ability to manage significant volumes, we are involved in the assessment of real estate risk, whether for mortgage loans, bridging loans or for the analysis of existing portfolios.
You are a private bank...!
Delta Group works closely with private banks to meet their various requirements in terms of real estate appraisal. Whether it is to assess the risk associated with mortgage loans, analyze the existing portfolio, comply with regulatory obligations or offer wealth advice to their clients, our team is there to support them.
We specialize in the precise valuation of high-end real estate as well as other types of assets likely to be held by a wealthy clientele, such as commercial real estate. Our strong territorial presence, particularly in areas with a high concentration of exceptional real estate, gives us the capacity for rapid and adapted intervention.
We have an in-depth understanding of the issues related to the analysis of real estate risk in the context of financing transactions, which positions us as a preferred partner of private banks in terms of real estate valuation.
Property risk assessment
For private banks, a real estate appraisal is often a prerequisite for granting a loan, thus ensuring the security of the transaction. They can also request regular appraisals to monitor the value of their outstandings and guarantee the quality of their guarantees. In this demanding financial environment, real estate appraisal plays a crucial role in risk analysis.
This is all the more crucial since the assets concerned are generally high-end, high-value properties, whose liquidity can be volatile, especially in the event of fluctuations in the real estate market. Through its skills, our group offers private banks in-depth expertise in the areas of financing and risk analysis.
Our geographical coverage, which extends from the national territory to border regions, allows our team to have specialized professionalization in different types of assets, whether residential or commercial. With significant experience in the field of luxury real estate, our experts have in-depth knowledge of these restricted, constantly evolving and highly confidential markets.
Compliance with current regulations
The implementation of the European Mortgage Credit Directive, commonly known as the « Mortgage Credit Directive », introduced an obligation for private banks to use a real estate expert to value a residential property before granting a loan. At the same time, the CRR (Capital Requirement Regulation) imposes specific requirements for the valuation of real estate.
Indeed, it provides for a regular appraisal of residential properties every three years, as well as commercial assets every year. These regulations aim to strengthen the transparency and reliability of real estate valuations in the financial sector, thus contributing to more prudent risk management for private banks. The Delta Group has a proven capacity to manage significant volumes of appraisals throughout the national and border territory.
Whether to meet the legal requirements in force or the internal rules of risk analysis services, our efficient processes allow us to provide private banks with reliable solutions while controlling costs. This streamlined approach ensures efficient execution of real estate valuations, providing private banks with peace of mind when managing their real estate assets.
Wealth advice
The close ties between private banks and their clients allow them to direct the latter towards real estate appraisal services capable of quickly and accurately assessing often large and complex assets. Thanks to this close collaboration, private banks can offer their clients tailor-made solutions, adapted to their specific needs in terms of real estate valuation.
This guarantees efficient and informed management of their real estate assets, thus strengthening the trust and satisfaction of clients with their private bank. Private banking clients are faced with a variety of situations such as inheritances, donations, divisions, acquisitions or disposals of real estate, works, creation of SCI and tax optimization.
Faced with these multiple challenges, they often need reliable real estate appraisals to make informed decisions. The Delta Group meets these needs by providing comprehensive appraisal services, benefiting from in-depth expertise in various types of real estate and adapted to the requirements of high-end clients.
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- See also !
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Our support program
From the initial concept to its realization, the Delta Group supports you with a comprehensive and integrated range of services, allowing you to optimize the implementation of your investment strategy...!
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Whether you are an individual or a professional, we optimize your real estate transactions, in all asset classes. Whatever your investment capacity, we are here to listen to you...
