Fintech: The Recovery Activity for Non-performing Loans

In this chapter we present an algorithmic evaluation method for valuing loans secured by real estate. The model described represents the synthesis of the various components that qualify non-performing loans: the legal aspect, the real estate aspect, and the financial aspect. We have developed an algorithm capable of simulating the mechanism of the judicial auction, which relates the various quantities that qualify a credit, both in the supply phase and in the litigation phase. The model can be used to optimize a financial portfolio.