EMF Valuation Study Database

The EMF Valuation Study Database is a unique tool to:

• Explore how residential and commercial property is valued for lending purposes in each participating Member State
• Compare national legal frameworks, valuation standards, valuation bases and methodologies
• Understand the rules governing valuers: qualification, independence and professional indemnity insurance
• Review how property values feed into capital requirements under the CRR and into covered bond cover pools
• See how AVMs, artificial intelligence and ESG factors are reshaping valuation practice

13

countries

14

national contributions

5

chapters

56

questions

How to access the information section by section:

Countries: here you can find each country’s contribution to the EMF Valuation Study, chapter by chapter – from the legal framework and valuation methods to the valuation report, the valuer and the cover pool.

Country Comparison: here you can select the Chapters you are most interested in and the countries you wish to compare side by side. Results are downloadable in Excel format.

AI Assistant: here you can ask questions in plain language and get answers drawn from the national contributions, with a reference to the country and question each answer comes from.

Valuation Study Report: here you can download the final EMF Valuation Study report, with its main findings and cross-country analysis.