Full assessment · bank level
Checked the way a credit committee checks.
You upload your documents, and the maths is done the way a bank does it. The analysis reads the documents alongside the listing, compares the two and, in case of doubt, applies the lower figure. This is the deepest level DomoScan24 offers.
Mortgage lending value
The sustainable value from a bank's point of view. It always sits noticeably below the market value and is capped on the server, so that no optimistic assumption can soften it.
Income value
A simplified income approach with a sustainable rent, running costs and the capitalisation rate. The full derivation is in the report.
Stress tests
At least four scenarios: a market correction, a rise in interest rates, rent arrears, vacancy and risks specific to the property. Each one with the new value.
What is left at the end of the month
The sustainable rent minus the costs you cannot pass on, the reserve and the loan instalment. A loss-making deal is named as one.
The full cost of the purchase
Your negotiating ceiling plus purchase costs plus renovation. The sum is recalculated without AI and shows what you really pay.
Findings from your documents
Every document you hand over is assessed on its own, with its key statements and its warnings. Mandatory documents that are missing are named clearly, together with the reason why they need checking before you buy.
Bank rating
How easily will a bank finance this property? Including the usual conditions you should expect.
List of questions
At least ten concrete questions for the seller and the property manager, tailored to this one property.
These documents count
Upload whatever you have. What is missing appears in the report as a gap.
PDF or photo, up to six files of 8 MB each. Contradictions between the documents and the listing are reported as a warning, and the documents take precedence.
It takes three to six minutes, with a real processing status.