Real estate collateral and valuation decision loops.

A governed decision loop for property collateral: continuous portfolio-level monitoring, valuations issued as defensible intervals with a data-quality tier per record, and an action gate that refuses to issue where evidence is below floor. Built on GURS ETN transaction depth (464,770 transactions, 206 of 212 Slovenian municipalities) and CRR3-oriented index methodology.

• Residential collateral monitoring for banks — valuations as intervals, tier per record, suppression where evidence is thin.
• Commercial rent and value evidence packages — thin markets, explicit data-density warnings, borrowed-strength estimates from comparable locations.
• AI-assisted residential pre-appraisal — an interpretable layer that hands the appraiser a structured starting point, not a number to rubber-stamp.

Acronyms: ETN (Slovenian real estate transaction database), GURS (Surveying and Mapping Authority), CRR3 (Capital Requirements Regulation 3). See the methodology and market monitor.