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Tevaxia helps prepare data and explore indicative scenarios. The software does not replace property checks, professional judgement or an expert’s report. It does not certify compliance with EVS or TEGoVA.
Market value in one tool, mortgage lending value in another, AML/KYC via external portal, stress test by hand. Files take 3 days when they could take 3 hours.
Energy haircut calculation by property class, stranded asset adjustment (CRREM 2030+), Regulation 575/2013 compliance check: many manual passes.
EU sanctions check (CFSP), PEP, ultimate beneficial owner, source of funds on 3 different tools. No consolidated audit trail.
Which portfolio properties are stranded 2030 or 2040 per CRREM? What provision for energy haircut? No consolidated tool.
You enter the client file. The tool computes market value + mortgage lending value, applies the energy haircut, checks AML/KYC, produces the report.
Borrower profile (resident, non-resident, investor), property (address, surface, energy class, year), amount, duration, rate.
Compare documented sales, capitalise income or discount cash flows. Select and justify methods and parameters for the property and assignment; results are scenarios to review with a professional.
EU sanctions, PEP, UBO, source of funds check. Risk PDF report with structured opinion (APPROVED / REVIEW / DECLINED) ready for credit committee.
Compliant with EU Regulation 575/2013 (CRR), CSSF requirements, EN 16931, GDPR and EBA guidelines on real estate collateral.
Compare documented sales, capitalise income or discount cash flows. Select and justify methods and parameters for the property and assignment; results are scenarios to review with a professional.
Energy haircut per CRREM stranding year, energy class adjustment, compliant with CRR 575/2013 Art. 208.
Max LTV by profile (80% resident, 70% non-resident, 60% investor), DSCR target 1.25, borrowing capacity.
Risk simulations: +2% rate, 6-month unemployment, 10-20% value drop. Stressed LTV and DSCR displayed.
EU sanctions check (CFSP), PEP, UBO, source of funds. Consolidated audit trail, JSON export.
Stranding 2030 / 2040 / 2050 view per property. Energy haircut provision. Renovation tracking.
APPROVED / REVIEW / DECLINED structured opinion with justification. Pre-committee or credit committee.
API integration: valuation, LTV, stress test, AML/KYC. Webhook for automatic push.
Public MAPE and R², 29 sourced hedonic coefficients. Auditability for BCL and CSSF.
Hotel-specific methods (RevPAR × multiple capitalisation, hotel DSCR 1.25). For hospitality financing banks.
Multi-tenant DCF lease by lease. Break options, step rents, planned CAPEX. Equity and project IRR.
10-year OAT, mortgage rates, construction index, inflation. ECB + STATEC connection. Monthly updates.
New modules shipped every 2 weeks. Auto-updates for CRR, CRREM regulations and EBA guidelines.
Integration with your core banking (Temenos T24, Avaloq, Finastra), internal report format, committee workflow: development in 1 to 3 weeks.
Questions about the tools? Contact contact@tevaxia.lu.
No per-file billing. All banking tools are included in the general subscription.
Tevaxia helps prepare data and explore indicative scenarios. The software does not replace property checks, professional judgement or an expert’s report. It does not certify compliance with EVS or TEGoVA.
Yes: EU sanctions check (CFSP), PEP (politically exposed persons), UBO (ultimate beneficial owner), source of funds. Consolidated audit trail with timestamps. Exportable report for CSSF audits.
Yes, default scenarios (+2% rate, 6-month unemployment, 10-20% value drop) match EBA expectations on resilience testing. Parameters adjustable for stricter internal stress tests.
Yes, REST API with OAuth 2.0 authentication. Endpoints: valuation, LTV, stress test, AML/KYC. Webhook for automatic push to your CRM. Public OpenAPI 3.1 documentation.
Hedonic model with public MAPE and R² for auditability, 29 sourced coefficients documented, back-test on 20 LU properties. Public /transparence page. Compliance teams can audit the model without special request.
Supabase storage (AWS eu-central-1 Frankfurt), user-level Row Level Security, HTTPS in transit, ISO 27001. Strict isolation per organisation: even tevaxia administrators cannot access a bank's data.
Create your pilot account, connect a test file and get your valuation + CRR + AML/KYC in 10 minutes. Contact us for a dedicated bank POC.