Real Estate

Real Estate

The Real Estate Valuator System is designed to cover the end-to-end (manual and automatic) evaluation process for real estate such as residential, commercial or industrial properties and movables for all client segments.

Product Details

It can be integrated with the Loan Origination and Collateral Management systems to create a broad solution. The system provides the necessary tools to achieve accurate results and benchmarks. Navigate to the client via Google Maps integration.

Start the calculations onsite and finish them at the office with no boundaries. Generate and sign documents wherever you are, and manage your ongoing requests and valuation processes without office presence.


10+ built-in workflows, 5 different valuation methodologies

Appraisal management from selection to invoicing

Customisable PDF Valuation reports for every segments

KPI reporting for better management decesions


Tablet support for on-site inspections

Easy and efficient methodology follow-up

End-to-End support of
the whole Valuation process


  • 10+ Workflow support
  • 70+ Real estate types
  • Tablet support for initiating
    request from anywhere


  • Proven, competency based
    allocation algorythm
  • 20+ inputs for allocate the requests
  • Built-In tender module
  • Improved workflow for
    request management


  • Full Tablet Support for inspections
  • Generate inspection documents on site
  • Improved and fast photo uploading
    and grouping
  • Start on site, finish at your office

Indicative calculation

  • 5+ methodology support
  • Customizable calculation templates
  • Google Maps integration


  • Efficient workflows,
    based on best practices
  • Resolution Application
  • Obstacle management
  • SLA monitoring

Document management

  • Nice and compact PDF reports
  • Report generation in 3 different data layers
  • Paperless Valuation processes

Administration and reporting

  • Automatic and manual
    revaluation processes
  • Monitoring workflows
  • Desktop and
    on-site revaluations
  • Bulk revaluation request mngt.( 20+ parameters )

Fully covered
valuation process

ApPello Valuator System manages valuation requests, orders, valuation process and generation of valuation reports. The system allows to create personalized workflows specified to product, client segment or risk level. Specific workflows for real estate and movables ensure formal and professional compliance.

The system supports different type of workflows like: first valuation, valuation, inspection, request order flow. There are other workflow types connected to: opinion request, verification of valuation reports, valuation report supervision, bulk revaluation and invoice handling. The solution has a built-in rule engine, which automatically assigns tasks to the respective unit, or to the valuator company.

All valuation processes are monitored by the system to measure through-put-time and available capacity to keep SLAs under control.

Multiple calculations
for accurate results

As a best practice, the solution allows the following valuation methods: market value comparison, income & simplified income approach, DCF method and cost-based approach for every real estate types. The evaluator comes along with a simple parameter management feature to support complex calculation grids. Users can define and maintain business rules of calculations.

Management of valuators &
External companies

The Valuator System provides an opportunity to register internal and external valuators and to manage their various eligibility criteria and authorisation, or their competencies. The system helps in filtering the orders based on predefined criteria and hence manage the relation with the external suppliers, offering the option to define competencies and calculate quality score, which are used further in the allocation mechanism. The power users can add holidays, and different (area based) competencies to each appraisal user, therefore every valuator will get precisely those orders that can be performed by them. The system rates every valuation report and every valuator. If that’s the case, the tool uses black and graylists to handle the non- performing valuators. The valuator tool supports the whole invoicing process also, extended with invoice correction and storno features.

Google Maps

The Valuator system uses Google Maps to show the geographic location of the real estates. The user can select the exact geographic location of the property that the system will convert to address data and automatically fills in the required data. Additionally, the system provides possibility to define custom areas for select comparable real estates that are used in the market approach method.

The system provides the ability to produce multi-level statistics, just as statistical regions, areas and sub-domains. Specifying the desired pricing areas as a basic data, the system generates statistics for properties in a given region / statistical area in the bank database.

Administration & reporting
made easy

With the SLA measurement system power users are able to create ad-hoc reports anytime (eg. to see resources spent on each task), extended with charts and summary pages. Uploading and connecting documents to major business objects, like request, real estate, or the valuation process itself is also possible. With the document preview component every photo of the property can be reached easily.

When it comes to notifications our Digital Lending Platform provides a sophisticated editor to create and maintain dynamic templates for push notifications, SMS and e-mails.

The platform also gives the possibility to export any lists within the application, to help the reporting process. Plenty of useful graphical charts are availble and the pre-defined reports can be reached with only one click for the supervisors.


Certain parts of the valuation process happen on-site, therefore ApPello Valuator system is supported by any device the customer chooses to use. Customer experience and services are available across all channels.

In addition application provides analysis on average, maximum and minimum real estate prices in a certain area based on location details. Information from previous processes can be reused as a comparable for the new valuation reports.


You might also be interested in our other lending solutions


ApPello Loan Origination Solution is an advanced end-to-end tool providing an efficient and profitable relationship between the bank and the borrower.

provides transparency of collaterals and coverage on client, segment or on portfolio level. The solution supports all loan collateral related activities: activation, processing, optimal allocation to exposure.

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the Brochure

Please fill in the following form and you will be able to download or read the brochure in your browser.