Free Value - Due Diligence Desktop

The Free Value service is configured as a massive pre-qualifying and qualifying system of demographic records with the purpose of organizing real estate and income information and preparatory documents to due diligence activities on Non-Performing Loan (NPL) portfolios.

First of all, the initial data are standardized, verifying that the fiscal code is matched to the correct individual; then the standardized records are uploaded on a proprietary automated process, named CA.DO – Cadastre Download, of real estate acquisitions documented in the national Registry. Regarding the records that positively meet the criteria, the process detects which Registries automatic mortgage checks must be done at, via a software named CO.DO – Conservatory Download. Simultaneously, an automatic valuation request is forwarded to the Automated Valuation Model (AVM) system for detected properties. At the end of the identification process, the system reveals the pending encumbrances and separates them for the download. The service ends when all requests have been closed, the documents have been obtained and each property has been evaluated.