How do I get a property valued in Lebanon, and what does it cost?

Also asked as: “Who values a property in Lebanon?” · “How much does a sworn valuer charge in Lebanon?” · “Property valuation report in Lebanon” · “Sworn real estate valuer in Lebanon”

Three different "values" for the same property#

A property in Lebanon can carry three numbers. The first is the market price, what a buyer actually pays. That is not the asking price: several sources say advertised and recorded sale prices are not the same number^[8,9,10]. The second is the official estimated value, set in the Ministry of Finance clearance document and used as the floor for fees on built property^[2,3]. The third is a bank's own technical valuation, used for a loan^[6,7].

National and district figures cannot price one flat. As LeBusiness put it in October 2026, Land Registry statistics describe a district. They say nothing about a floor, a view, a broken lift or a deed shared between heirs^[8]. More on this in why advertised prices differ from Land Registry prices and estimated value versus market price.

A sworn valuer or an agency report#

The only source we found on private valuations is JSK Real Estate, an agency that sells them. In September 2023 it described two main report types, one by a sworn valuer accepted by Lebanese courts and one by an agency. It said they are priced differently but gave no fees^[1]. JSK says a valuation means a physical visit and a review of the property's legal documents. It also says a report has no fixed validity because the market moves, so you may need a recent one to buy or sell.

We found no published fee for a valuation and no official list of sworn valuers. We also found no body named as accrediting them, and no rule on when a bank, notary, court or the Land Registry requires a sworn valuation. For a court case, ask the court registry how its experts are appointed. For a loan, ask the bank. The Order of Engineers and Architects may be able to point you to a qualified valuer, but you will need to ask them yourself.

The official estimated value used for fees#

Under Art. 76 of Law 10/2022, the transfer fee on built property is charged on the built rental value multiplied by 30. The regional finance offices estimate that figure, or in Beirut the built-property tax department^[4,5]. The Land Registry applies the estimate when it is higher than the declared price, and its officer may set a higher value at his discretion^[2,3]. LeBusiness (May 2026) adds that declaring a low price to save fees will not always work. The fee itself is 3% of the value for Lebanese buyers, 5% for non-Lebanese^[11]. See how much the registration fee is and whether fees use the contract price or the estimated value.

This rule is written for built property. The fee base for unbuilt land is not confirmed^[4,5]. We found no official page that explains how the estimate is set or updated, or how to challenge it. Ask the regional finance office or a lawyer.

The bank's valuation for a BDH loan#

Banque de l'Habitat (BDH) sets its terms on its own technical valuation, not on the price you agree with the seller. Its February 2026 Key Fact Statement requires at least 20% down; loan at most 80%^[6,7]. If the bank values the home below the price, you pay the difference in cash. BDH lends up to USD 100,000 (minimum USD 20,000) to buy or build. As of autumn 2026, the press reports that commercial banks are still not writing home mortgages^[12,13]. See the conditions for a BDH loan.