EBA NPL Property Collateral Table
From Open Risk Manual
Table Fields
| Field | Type | Definition |
|---|---|---|
| Protection identifier | Text | Institution's internal identifier for the Property Collateral |
| Legal Owner of the Property | Text | Legal owner of the Property Collateral |
| Register of Deeds Number | Text | Registration number of the Property |
| Sector of Property | Choice | Sector which the property is used for, e.g. commercial real estate, residential real estate, etc. |
| Type of Property | Choice | Type of the Property, e.g. Apartment, Semi Detached House, Terraced House, Land, etc. |
| Type of Occupancy | Choice | Type of occupancy, i.e. owner occupied, tenanted, not tenanted |
| Purpose of Property | Choice | Purpose of the Property |
| Condition of Property | Choice | Quality classification of the property |
| Address of Property | Text | Street address where the Property is located at, including flat / house number or name |
| City of Property | Choice | City where the Property is located at |
| Geographic Region of Property | Choice | Province / Region where the Property is located at |
| Geographic Region Classification | Choice | NUTS3 classification used for the field "Geographic Region of Property", i.e. NUTS3 2013 (1), NUTS3 2010 (2), NUTS3 2006 (3), NUTS3 2003 (4), Other (5) |
| Property Postcode | Text | Postcode where the Property is located at |
| Property Country | Choice | Country of residence where the Property is located at |
| Area Type of Property | Choice | Area type where the Property is located at , i.e. City centre, Suburban and Rural |
| Year of Construction | Date | Year that the Property was completed and refurbished |
| Year of Refurbishment | Date | Year in which the last significantly refurbished was completed |
| Tenure | Choice | Conditions that the Property is held or occupied, e.g. freehold and leasehold |
| Remaining Term of Leasehold | Number | Remaining term of the leasehold when "Leasehold" is selected in field "Tenure" |
| Number of Bedrooms | Number | Number of bedrooms that the Unit has |
| Number of Rooms | Number | Number of rooms that the Unit has excluding kitchen and bathroom(s) |
| Building Area (M2) | Number | Building area (square metres) of the Unit |
| Building Area (M2) Lettable | Number | Building area (square metres) of the Unit that is lettable |
| Building Area (M2) Occupied | Number | Building area (square metres) of the Unit that has been occupied by landlord / tenant |
| Number of Lettable Units | Number | Number of lettable units that the Property has |
| Number of Units Vacant | Number | Number of vacant lettable units that the Property has |
| Number of Units Occupied | Number | Number of occupied lettable units that the Property has |
| Land Area (M2) | Number | Land area (square metres) of the Property |
| Number of Car Parking Spaces | Number | Number of car parking spaces relating to the Unit |
| Currency of Property | Choice | Currency that the valuation and cash flows related to the Unit are expressed in |
| Initial Valuation Amount | Number | Value of the Unit assessed at loan origination |
| Date of Initial Valuation | Date | Date that the initial valuation was assessed |
| Internal / External Initial Valuation | Choice | Indicator as to whether the initial valuation was outsourced, or done internally |
| Type of Initial Valuation | Choice | Type of the initial valuation for the Unit i.e. Full Appraisal, Drive-by, Automated Valuation Model, Indexed, Desktop, Managing / Estate Agent, Purchase Price, Hair Cut, Mark to market and Borrower's Valuation |
| Provider of Initial Valuation | Text | Name of the external appraiser or managing / estate agent is when "Full Appraisal" or "Managing / Estate Agent" is selected in field "Type of Initial Valuation". |
| Initial Estimated Rental Value | Number | Estimated annual gross rental value of the Unit assessed at loan origination |
| Latest Valuation Amount | Number | Value of the Unit when last assessed |
| Date of Latest Valuation | Date | Date that the latest valuation took place |
| Internal / External Latest Valuation | Choice | Indicator as to whether the latest valuation was performed internally or by an external appraiser |
| Type of Latest Valuation | Choice | Type of the latest valuation for the Unit i.e. Full Appraisal, Drive-by, Automated Valuation Model, Indexed, Desktop, Managing / Estate Agent, Purchase Price, Hair Cut, Mark to market and Internal Institution Valuation |
| Provider of Latest Valuation | Text | Name of the external appraiser or managing / estate agent when "Full Appraisal" or "Managing / Estate Agent" is selected in field "Type of Latest Valuation". If the valuation was done internally, please select "Internal" |
| Latest Estimated Rental Value | Number | Estimated annual gross rental value of the Unit when last assessed |
| Current Annual Passing Rent | Number | Current annual passing rent charged to the Tenants of the Unit as at latest valuation date |
| Current Opex And Overheads | Number | Current annual operational expenses and overheads of the Unit as at latest valuation date |
| Planned Capex next 12m | Number | Current planned CAPEX for the next 12 months |
| Current Net Operating Income | Number | Current annual net operating income generated by the Unit as at the latest valuation date |
| Estimated Rental Void | Number | Estimated number of months the property is expected to be void |
| Estimated Annual Void Cost | Number | Additional costs to "Current Opex And Overheads" when the Units are vacant |
| VAT Payable | Boolean | Indicator as to whether the VAT is payable on the disposal of the Unit |
| Party Liable for VAT | Choice | Party who is liable to pay the VAT on the disposal of the Unit i.e. the Institution or the buyer(s) |
| Amount of VAT Payable | Percentage | Amount of VAT payable on the disposal of the Unit |
| Completion of Property | Boolean | Indicator as to whether the construction of the Unit is complete |
| Percentage complete | Percentage | The percentage of development completed since construction started (applicable to Units in development) |
| Value of Energy Performance Certificate | Choice | Value stated on Energy Performance Certificate |
| Provider of Energy Performance Certificate | Text | Name of the provider of the energy performance certificate |
| Enforcement Status | Boolean | Indicator as to whether the property collateral has entered into the enforcement process as at cut-off date |
| Enforcement Status Third Parties | Boolean | Indicator as to whether any other secured creditors have taken steps to enforce security over the asset? (Y/N) |
| Enforcement Description | Text | Comments/Description of the stage of Enforcement that the Property Collateral is in as at cut-off date |
Disclaimer
- This text is generated automatically. Do not edit manually!
- This information is provided as is. Refer to the EBA NPL Template for pointers to definitive instructions
