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 Regional Bank...!
Delta Group offers retail banks real estate valuation solutions that combine efficiency and accuracy. We have the capacity to manage significant volumes in order to satisfy their real estate risk assessment requirements, whether for mortgages, bridging loans or for the analysis of their existing portfolio, while respecting the regulatory obligations in force. Delta
Group stands out as a preferred partner for retail banks, benefiting from a notable presence on the market and solid expertise. Our extensive national network and our specialized team allow us to efficiently handle large volumes of requests, even within tight deadlines.
Property risk assessment
Retail banking activity requires rigorous management of mortgage risk and residential property liquidity, as well as regular monitoring of outstanding amounts to ensure the quality of guarantees. In this context, banks frequently use real estate appraisal services to assess a large volume of assets scattered across the national territory.
Thanks to our dense territorial network, we are able to intervene quickly to accurately assess residential properties supported by retail banks. As a leading European player in the field of real estate appraisal, « Delta Link International » offers banks reliable appraisal services, benefiting from in-depth expertise in financing and risk analysis.
Our ability to efficiently handle large volumes of assets allows us to meet the needs of banks while maintaining controlled costs.
Compliance with current regulations
Before granting any loan, retail banks are subject to the requirements of the European Mortgage Credit Directive, which requires the use of a real estate expert to assess the residential properties concerned. In addition, these properties must be appraised every three years according to the provisions of the CRR regulation.
The latter also establishes periodic appraisal obligations, under certain conditions, in order to verify that the guarantees adequately cover the outstanding amounts. These regulatory constraints are considerable for retail banks, because they generate a significant demand for large-scale real estate appraisals.
The Delta Group’s ability to efficiently manage large volumes of appraisals across the country makes it a partner of choice for retail banks. Thanks to optimized processes, we are able to respond quickly and reliably to their needs, while ensuring that costs are kept under control.
Bridging loans
Bridging loans represent an additional risk for retail banks, because if the property is not sold, the financing becomes inconsistent. It is therefore crucial for these institutions to analyze not only the value, but especially the liquidity of residential assets.
The Delta group generally undertakes to provide its appraisal reports within 5 working days after the property visit. We have established standardized procedures that allow us to process large volumes while maintaining our individualized analysis capabilities. Our extensive presence throughout the territory gives us great responsiveness.
To strengthen our expertise, we rely in particular on careful exploitation of the databases provided by the group and its partners.
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- See also !
We offer you an Accompaniment Course !
Our experts will guide you step by step through your investments...!
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...
