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Since no income is generated in the case of owner-occupation, the income approach is generally ruled out – instead, the sales comparison approach or cost approach is applied.
We inspect the property and take into account individual features, modernisations, and the general state of maintenance as of the valuation date.
As both spouses regularly have a personal interest in the outcome, it is always advisable to jointly commission a neutral valuer in order to avoid problems with acceptance.
The emotional value that a partner attaches to the owner-occupied property is also disregarded in the objective valuation – the only decisive factor is the price achievable on the market.
After separation, a prompt appraisal is advisable, as the condition of the property may change noticeably, particularly if maintenance is neglected during a tense separation phase.