Home evaluation services for home loans

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Usually lenders will hire the services of a firm or individual offering home evaluation services before deciding the amount of the home loan and other terms and conditions. Though the income, profession and other details are factors in deciding the home loan, the value of the home as assessed by the home evaluation firm will also determine the amount of the home loan.
In case of the borrower is unable to repay the home loan the lender will often take possession of the home and sell it off.

Mobile towers reducing home value

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Increasingly people in posh areas of cities and towns throughout the world are finding that the presence of mobile towers in the close proximity of their home has adversely affected their health. People find that the mobile towers are causing a variety of health problems like headache, body ache, memory loss, insomnia, disorientation, eyesight related problems
Though there are some radiation shielding equipment like curtains available the effectiveness remains limited, especially when radiation fields are high.
So in some areas, people are objecting to the installation of mobile towers near their homes, or are forced to relocate

Drainage system and home value

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In tropical areas and in areas with heavy rainfall, snowfall the value of the home depends to a great extent on how good the drainage system will be. This is particularly important in low lying areas which are flooded due to heavy rains or when the snow will melt. Cleaning up a house which is flooded can be a major challenge for a home owner because in addition to the dirt and grime caused by the flooding, expensive furniture, appliances, document, home decor and home furnishing could get damaged.
Replacing or repairing the water damage can be expensive for a home owner of limited means. It can be difficult to reach home or office if living in a low lying area which is flooded in the monsoons, especially in neck deep water. So while purchasing or renting a home, it is important to check the topography of the home, whether it will be flooded during the monsoons and adverse weather conditions.
Homes which are regularly flooded during the monsoons are usually priced lower taking into account the water damage during monsoons or winter.

Home evaluation services customers

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The clientele for home evaluation services includes real estate firms, companies and banks, financial institutions offering home loans. While often real estate firms or realtors include home evaluation services as part of the many services they provide, having developed their expertise over a period of time, at times they may outsource home evaluation services, especially if they are selling or purchasing a home in a new area.
Other major clients of home evaluation services are firms which offer home loans to home buyers. Usually the home will be collateral for the loan and the home loan value will be typically 80% of the value of the home. As the home owner may inflate the value of his or her home, most of the lenders will prefer to use an independent third party home evaluation service provider to assess the value of the home accurately. In case the home owner does not repay the home loan, the lender may seize the home and auction it off to recover the amount lent to the borrower.

Safety considerations and home value

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A major consideration while selecting a home and home value is how safe the locality where the person is residing. In some posh areas, homes are under intense surveillance making it difficult for anyone to enter the area without being monitored. However intelligence agencies in some areas are allowed to enter homes using duplicate keys without a court order or informing the home owner in advance. So if these officials dislike the home owner due to personal reasons like jealousy, casteism and greed, they can abuse their power for their personal gains.
While a person who does not have a posh home is unlikely to have anything much of value in the home, people with expensive gadgets and valuables are more likely to be targetted for theft. In other case, a person may be targetted for vandalism . So people are more likely to leave areas where theft and vandalism will be reported, and the home rates will decline accordingly.

Row house vs flat for human rights abuses victim

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Being ruthlessly tortured using invisible directed energy weapons for years, has allowed an obc domain investor, paypal account holder to scientifically evaluate the advantages of a row house and flat for a person targetted for human rights abuses.
In a row house, the cruel officials can target their victim far more accurately to cause great pain. If the person is living alone the targetting willl be more accurate and the pain will be unbearable for the domain investor.
On the other hand, in a flat, usually the people in the neighbouring flat will also experience some pain. So the officials will usually warn those living in the neighbouring flat to move away before launching an attack. Hence torturing a domain investor living alone in a row house will be far more easier for ntro officials.

So domain investors targetted for human rights abuses should avoid living alone to prevent being tortured or reduce the damage caused by the torture.

High power radiation beams make house unliveable for domain investor

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It is increasingly difficult for a obc domain investor, Paypal account holder to live in the house whose address is provided in the whois because high power radiation beams are misused to cause great pain. On 8 October 2015 at around 4.45 pm the domain investor was attacked with a high power radiation beam causing unbearable pain.
This forced the domain investor to flee the house to avoid further damage to the body and pain. So one factor determining the value of a house are whether the house has been under surveillance earlier, as the officials will continue to monitor the house after a change in the house ownership.

Expensive homes monitored closely

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In countries like India where real estate prices and corruption levels are high, people living in posh areas of a city or town will find that their homes are being monitored closely. Allegedly intelligence agency officials are closely monitoring whether a person is entering or leaving the house. These officials can detect the presence of the individual within a few hours of the person entering the house.
When these officials find that the person is not at home for some time, they will enter the home and steal low value items from the house , which the home owner will not bother to file a police complaint for. in other cases, if they find that the person is at home, they may attack the person with expensive radiation weapons causing great pain.

These officials hope to create problems for the home owners, to force them to sell the house cheaply.

Location and home value

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The value of a home depends to a great extent on the location of the home in which city, town or country the home will be located. It is also dependent on the availability of land for building a home, population and number of investors interested. Though the price of a specific home depends to a some extent on the condition of the home, how well maintained it is,age of the home, the location is usually the main factor determining the value of a home.
Usually in the more expensive areas of the town or city, there are a limited number of homes available and the residents of the area are well off and high profile. The social status of an individual depends to a great extent on the location where he or she is staying. The amenities in the area are also better, with regular electricity and water supply compared to other parts of the city or state.

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