| layout | title | schemas |
|---|---|---|
| property | value_type | collateral |
value_type
Type of protection value This data attribute is used for identifying the type of the protection value that corresponds to the protection value as reported in the data attribute “protection value”.
Reference: AnaCredit Reporting Manual Part II, cha 9.4.5 - Table 114 – Applicable type of protection value by type of protection
| Type of protection | Type of protection value |
|---|---|
| Gold | Fair value |
| Currency and deposits | Notional amount |
| Securities | Notional amount |
| Loans | Notional amount |
| Equity and investment fund shares or units | Fair value |
| Credit derivatives | Notional amount |
| Financial guarantees other than credit derivatives | Notional amount |
| Trade receivables | Notional amount |
| Life insurance policies pledged | Notional amount |
| Residential real estate collateral | Market value / long-term sustainable value |
| Offices and commercial premises | Market value / long-term sustainable value |
| Commercial real estate collateral | Market value / long-term sustainable value |
| Other physical collateral | Fair value |
| Other protection | Notional amount / fair value (determined per protection item) |
Notional amount and fair value are reported using notional_amount and mtm_dirty respectively. For real estate collateral, the value type is derived by combining collateral.value with value_type enums.
├── long_term
└── market
long_term
Long-term sustainable value
If the appraisal aims to estimate the market value ignoring cyclical factors, then “long-term sustainable value” is reported. Reference: The “mortgage lending value” of immovable property as defined in Article 4(1)(74) of Regulation (EU) No 575/2013.
market
Market value The market value is a value type to be used only for real estate collateral. The current “market value” of immovable property as defined in Article 4(1)(76) of Regulation (EU) No 575/2013.
The market value means the estimated amount for which the property could be exchanged on the date of valuation between a willing buyer and a willing seller in an arm’s-length transaction after proper marketing wherein the parties had each acted knowledgeably, prudently and without compulsion.