As more businesses and individuals turn to banks or financial institutions for funding, collateral appraisal plays an essential role in objectively determining the value of assets used as security. This process ensures the legal interests of both borrower and lender while forming a key legal basis for other financial activities. The following article provides a comprehensive overview of the process, benefits and how to choose a trusted appraisal service provider.
What is collateral appraisal?
Collateral appraisal is the process of determining the fair market value of assets (real estate, factories, machinery, vehicles, etc.) pledged to secure obligations in loans, sales, or financial transactions.
Accurate valuation not only helps banks manage risk but also protects the borrower’s legal interests. Inaccurate valuation can result in:
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Lower-than-expected loan limits
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Higher interest rates due to undervalued assets
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Potential legal disputes during debt settlement
According to Circular 11/2016/TT-BTC, collateral appraisal must be performed by a legally licensed firm using clear valuation methodologies with results presented in transparent legal reports.
A 2023 survey by the Vietnam Banking Association revealed that over 85% of commercial banks only disburse loans when appraisal reports come from reputable, experienced firms with up-to-date data systems - making partner selection a strategic priority for borrowers.
Types of collateral commonly appraised
According to the State Bank of Vietnam and Circular 11/2016/TT-NHNN, any legal and valuable asset can be used as collateral, including:
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Real estate: houses, land lots, apartments, villas, factories, agricultural land
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Machinery & equipment: production lines, medical equipment, high-tech tools
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Vehicles: cars, ships, specialized transport
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Intangible assets: usage rights, contractual rights, shares, trademarks, long-term land-use rights
Real estate accounts for over 80% of collateral used in bank loans (2023 data, SBV). Thus, aligning valuation with current market conditions is critical to both loan approval and loan size.
Key factors affecting collateral appraisal value
Appraisal values are influenced by:
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Market conditions at the time of appraisal
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Legal status of the asset
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Urban planning, development potential and location
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Market fluctuations in real estate or equipment
Choosing a professional and objective appraisal partner is therefore vital.
How much does a collateral appraisal cost?
Appraisal fees vary depending on:
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Asset type (real estate, vehicles, machinery, etc.)
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Asset scale, location, complexity and timeline
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Legal document clarity and completeness
Surveys show fees range from VND 1 million to 10 million per asset, or 0.1 – 0.3% of asset value.
At Hoang Quan Appraisal, pricing is clear and fixed upfront - with no hidden fees. For clients with multiple or high-value assets, we offer attractive discounts. Appraisal fees are also accepted as deductible business expenses per Ministry of Finance regulations.
Hoang Quan Appraisal – A trusted collateral asset valuation firm chosen by over 50 banks
With over 23 years of experience, Hoang Quan Appraisal meets all standards of a top-tier valuation firm in Vietnam:
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Licensed by the Ministry of Finance and a member of the Vietnam Valuation Association
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50+ nationwide branches for accessible service
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100+ certified appraisers with deep expertise across asset classes
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Continuously updated market databases, linked to exchanges, auctions and banks
From 2020 to present, Hoang Quan Appraisal has conducted more than 25,000 mortgage asset appraisal files, including outstanding projects such as:
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VND 520 billion appraisal of a factory complex in Long An for BIDV
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Luxury real estate valuation in District 7, HCMC for Sacombank collateral loan
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Retail chain assets appraised for FDI enterprise’s working capital loan guaranteed by HSBC
Whether your asset is land, a factory, machinery, or an unfinished construction - if it secures a loan, you need a reliable appraisal report. Hoang Quan Appraisal delivers legal, accurate and market-reflective valuation.
Collateral appraisal services by Hoang Quan Appraisal
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Appraisal of real estate collateral (land, housing, factories)
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Appraisal of machinery, vehicles, and production equipment
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Appraisal of intangible assets (shares, trademarks, contractual rights)
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Advisory services for loans, transfers, financial restructuring
Why choose Hoang Quan Appraisal for collateral appraisal?
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Fast turnaround: Reports completed in 2 – 5 working days
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Legally compliant documentation for bank submission
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Legally recognized valuation certificates accepted by financial institutions
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Result assurance and support in working with lenders
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Transparent pricing, no hidden fees, with partner bank discounts
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Free pre-contract consultation to help clients understand their asset and loan potential
We are trusted by over 50 banks and financial institutions, including Vietcombank, Techcombank, MB, ACB, BIDV, TPBank, HDBank, VPBank and more.
If you’re preparing to apply for a loan or simply want to appraise your asset correctly to accelerate approval and secure better terms, Hoang Quan Appraisal is here to help.
Contact us now for a free consultation and a quote within 2 hours:
Hoang Quan Appraisal Co., Ltd.
Address: Hoang Quan Appraisal System
Phone: 0934.252.707
Email: contact@sunvalue.vn
Facebook: Hoang Quan Appraisal
Website: hqa.com.vn
Conclusion
Appraisal of collateral assets is not merely a mandatory procedure, but a critical step in building trust with credit institutions and securing the legal rights of asset owners. An accurate, timely and recognized valuation report can help you optimize your loan, minimize risks and enhance your financial credibility. With a team of experienced professionals and a standardized process, Hoang Quan Appraisal is proud to be a leading provider of collateral asset valuation services in Vietnam. Let Hoang Quan Appraisal accompany you on the journey of accurate valuation – fast loan approval – and sustainable growth.
