PROPERTY VALUATION METHODOLOGY

Five Methodologies — The Right One Depends on the Property Type and the Valuation Purpose

A Government Approved Property Valuation is not based on a single formula. The appropriate methodology depends on the property type, market evidence, development potential, income profile and the statutory or commercial purpose for which the valuation is required.

Residential Commercial Industrial Institutional Agricultural Land & Building
THE METHODOLOGY MAP

Five Valuation Approaches for Different Property Situations

Each approach answers a different valuation question. The final methodology is selected according to the property's characteristics and the purpose of the valuation assignment.

01
PRIMARY FOR RESIDENTIAL

Comparative Market Approach

The Comparative Market Approach (CMA) derives the property's FMV from actual registered sale transactions for comparable properties.

It is the primary methodology for residential property, where comparable transactions are generally most abundant, and may also be used as a cross-check for commercial and industrial property.

HOW THE CMA WORKS
01

Comparable Selection

Recently registered transactions, generally within 12 months, are examined for properties in the same locality with similar type, age, size and specification.

02

Adjustment for Differences

Each comparable is adjusted for floor level, construction quality, area, parking, amenities and condition to make the evidence more comparable with the subject property.

03

FMV Range

Adjusted comparable prices converge on a range from which the valuer's professional judgment establishes the specific Fair Market Value (FMV).

PRIMARY MARKET EVIDENCE Sub-Registrar's registered deed database
02
COMMERCIAL & RENTAL PROPERTY

Income Approach

The Income Approach is primary for commercial and rental-yielding property where value is directly influenced by the property's income-generating capability.

The methodology considers achievable rental income, vacancy, operating expenses and the appropriate capitalisation or discount rate.

TWO INCOME VARIANTS
DIRECT CAPITALISATION NOI ÷ Capitalisation Rate = Capital Value

Net Operating Income is capitalised using an appropriate rate to derive the property's capital value.

DISCOUNTED CASH FLOW Future Income + Terminal Value → Present Value

Future rental income and terminal value are projected and discounted at an appropriate yield.

01 Achievable Market Rent
02 Vacancy Rate
03 Operating Expenses
04 Capitalisation / Discount Rate
INDICATIVE RATE RANGE IN THE PROVIDED FRAMEWORK Office: 7–10%  |  Retail: 8–12%  |  Industrial Warehousing: 8–11%
03
INSTITUTIONAL & SPECIAL-PURPOSE

Cost Approach / Depreciated Replacement Cost

The Cost Approach / DRC is primary for institutional and special-purpose properties where sufficient comparable market transactions may not exist.

The calculation combines the underlying land FMV with the replacement cost of the building and deductions for physical, functional and external obsolescence.

DRC VALUATION EQUATION
LAND Land FMV CMA / Land Comparables
+
BUILDING RCN Current Replacement Cost New
−
DEPRECIATION Physical Structural Condition
−
OBSOLESCENCE Functional Specification Deficiency
−
EXTERNAL Obsolescence External Market Factors
=
VALUATION RESULT DRC Depreciated Replacement Cost
CPWD DSR

Government cost reference for residential, institutional and standard office buildings.

CIVIL ENGINEERING

Structural condition assessment supports the physical depreciation component.

CURRENT COST

Commercial and industrial buildings may use current contractor rates.

04
DEVELOPMENT POTENTIAL

Residual / Development Approach

The Residual Approach is applied where development potential is the primary driver of land value, particularly for large undeveloped plots and properties with significant redevelopment potential.

It considers the property's highest and best use rather than relying solely on its existing use.

RESIDUAL LAND VALUE MODEL
GROSS DEVELOPMENT VALUE GDV

Total value of the completed development based on permitted FSI and current market sale prices.

−
TOTAL DEVELOPMENT COST
  • Construction
  • Professional Fees
  • Approvals
  • Finance
  • Developer's Profit
=
RESIDUAL LAND VALUE MAXIMUM DEVELOPMENT LAND VALUE

Indicative maximum price a developer would pay for the land for the proposed development.

PARTICULARLY RELEVANT FOR
Large Urban Plots Redevelopment Sites Educational Campuses Industrial Corridors Urban-Fringe Agricultural Land
05
DEVELOPED PROPERTY

Land and Building Split

For developed properties, the Government Approved Valuer separates total property FMV into the land component and the building component.

The land component represents the FMV of the underlying land in its current state, while the building component is assessed using an appropriate DRC-based structure valuation.

TOTAL PROPERTY FMV
LAND COMPONENT Land FMV

Underlying land value in its current state, generally supported by market evidence.

BUILDING COMPONENT Building DRC

Replacement cost adjusted for physical condition and relevant obsolescence.

01 Income Tax

Building depreciation is treated separately from land.

02 SARFAESI

Land and building security interests may require separate consideration.

03 IBC CIRP

Supports Fair Value determination for land and building assets.

LAND-DOMINANT Well-located urban properties
BUILDING-DOMINANT Recently constructed properties in less-liquid locations
METHODOLOGY AT A GLANCE

The Valuation Method Follows the Property and Its Purpose

Methodology Primary Application Principal Evidence
Comparative Market Approach Residential property Registered comparable sales
Income Approach Commercial / rental property NOI, rent, vacancy and yield
Cost / DRC Institutional / special-purpose Land FMV + RCN − depreciation
Residual / Development Development land GDV − development cost
Land & Building Split Developed properties Land FMV + Building DRC
NEED A PROPERTY VALUATION?

The Right Methodology Begins With the Right Context.

Discuss your residential, commercial, industrial, institutional, agricultural, land or development valuation requirement with A2Z Valuers.

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