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In Singapore, an Automated Valuation Model (AVM)—like the SRX X-Value—is a digital tool that uses algorithms and URA/HDB transaction data to provide an instant, data-driven estimate of a property's worth. It is highly effective for benchmarking standard HDBs or condos by analyzing recent "caveats," floor levels, and lease balances.

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However, this Estimated Property Value is purely "indicative" and lacks the legal weight of a formal bank valuation. Because it cannot account for specific unit conditions, like premium renovations or a quiet pool view, it serves best as a starting point for pricing rather than a final figure for mortgage approval.

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