[For Financial Institutions] Historical Research to Improve Collateral Evaluation Accuracy | Geotech
Geographical and historical survey
Identify hidden risks of collateral before the contract and improve evaluation accuracy.
In financial institutions, accurately assessing the collateral value of real estate that is the subject of loans is crucial from a risk management perspective. In particular, "hidden defects" such as soil contamination resulting from the past use of land are often overlooked in superficial investigations, and if these issues are discovered, they can lead to a decrease in collateral value and the emergence of future remediation costs. It is essential to identify these risks in advance and conduct more precise collateral evaluations. GeoTech's historical land surveys, as a designated research institution, contribute to improving the accuracy of collateral evaluations by analyzing the past usage history of land and public documents from multiple angles, thereby visualizing potential underground risks. 【Usage Scenarios】 - Preliminary investigation of collateral properties in loan examinations - Identification of risk factors during real estate collateral evaluations - Reduction of the risk of non-performing loans 【Benefits of Implementation】 - Improvement of objectivity and reliability in collateral evaluations - Reduction of risks after loan execution - Stabilization of the real estate collateral portfolio
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【Features】 - Investigation by a designated survey organization based on the Soil Contamination Countermeasures Act - Multi-layered data analysis of past land use history, public notification materials, residential maps, aerial photographs, etc. - Preparation of objective risk assessment reports - Implementation of Phase 2 sampling surveys in accordance with official methods in cases of contamination concerns - Establishment of reliable numerical data evidence 【Our Strengths】 Geotech provides "total ground services," offering a wide range of engineering services related to real estate, including ground surveys, ground reinforcement design/construction, building differential settlement correction work, and soil contamination investigation and remediation projects. With extensive experience and proven technology, we provide optimal solutions tailored to our customers' needs.
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Price range
P3
Delivery Time
P4
Applications/Examples of results
In the real estate brokerage business, the buying and selling of land, factory sites, and commercial properties will be utilized as supplementary materials for pre-contract and important matters explanations. For sellers, it serves as risk management to prevent claims for damages after the sale and long-term legal disputes. For buyers, it is proposed as a means to uncover hidden defects before asset acquisition and to confirm safety. Additionally, it will be used as objective evidence in the formulation of defect liability clauses in sales contracts based on investigation results and in price burden negotiations, and can be widely utilized to build trust with clients, prevent troubles for brokers, and facilitate smooth transactions.
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