How to determine value of mobile home. We will help you learn how to value m.

How to determine value of mobile home Phone. market value differs can help you make informed decisions about selling or buying. If you’re seeking It would value a 100 space mobile home park the same whether it has 100% occupancy or 50% occupancy. Consider the age of the mobile home Formula: The calculation for mobile home value takes into consideration various factors such as age, condition, size, and current market trends. The status of the single wide mobile home will determine its worth. When valuing home contents for insurance purposes or if you want to sell the house, there are a number of factors that you should consider. 1. For example, if your home includes premium flooring, modern kitchen appliances, or energy-efficient upgrades, it may be worth more than a mobile home with standard features. How to Use the Calculator. Estimate your used mobile home's value with our free calculator. Understanding your home’s worth allows you to estimate the proceeds of a future home sale, so you can It's difficult for an untrained person to calculate the exact value of a mobile home, but you can determine the approximate value with a little research. Learn more about how to determine what its really worth in our latest post! Need to figure out your mobile home’s value? See our checklist of things you’ll need to know about your home before you sell at Highest Cash Offer today. https://deerling. Mobile homeowners can rent a space where they can place their mobile home or place the mobile home on their own land. From the Blog How to Identify a Modular Home vs. A valuation tool cannot replace the expertise and market knowledge of an experienced real estate agent, but a Home Valuation Report will help you set the best list price for One major factor is age. The NADA Manufactured Housing Appraisal Guide is the proper Blue Book for mobile home owners to use. These calculators use information such as addresses, square footage, public records, and comparable home sales to estimate the value of your home. Often called a manufactured home appraisal or valuation, this step in the selling process gives you an accurate, market-based value. Generally, a home appraisal ranges in cost from Reduce the sale price of the mobile home to 80 percent if it is furnished and 95 percent if it is unfurnished. And because estate agents work with property and know the local market, they are often the best resource to help you establish the real market value of your Other energy saving upgrades that can raise the value of your mobile home include adding insulation, installing insulated skirting, and applying weather-stripping and caulk throughout the home. Selling your mobile home? This guide provides a step-by-step process for maximizing your return. Research Cap Rates: Identify prevailing cap rates for mobile home parks in the area. Cap rates vary based on location, market conditions, and property characteristics. The sales comparison method is also flawed in most cases due to the lack of quality and recent comparables to select from. They are: (1) a licensed Real Estate Appraiser or (2) a certified Pricing Strategy Advisor Real Estate Agent. Websites like Zillow, Trulia, and Realtor. Call Us! (843) 507-5058. When insuring a mobile home, there are two types of policies: replacement cost or actual cash value. But, to do so, one must first determine their home’s worth. Knowing the estimated value of your own home helps you price your home for sale, as a precursor to an official home appraisal. In comparison, manufactured homes are built inside of a facility to federal Manufactured Home Construction and Safety Standards (also known as HUD Code) and then transported to the final home site, while modular homes are Calculate the resale value of your mobile home with our easy-to-use Mobile Home Resale Value Calculator. Claim your home and view home value estimates of homes recently sold nearby. Examining home value often involves a few simple steps, including appraisals and The appraisal of mobile homes, or "manufactured homes," as they are properly known, presents unique considerations for valuation. The value of a home is ultimately determined by the price someone is willing to pay for it. " *" indicates required fields. At this point the mobile home is considered real property and permanently attached to the land. Click the “Calculate” button to get an estimated value. Future Trends in Mobile App Valuation. Assessing Resale Value: Knowing the construction details and manufacturing information of a manufactured home can help you assess its resale value accurately. Suppose you have 10 mobile homes that are renting for $350 above the normal lot rent per month and that there is an additional expense of $100 per mobile home each month. ” Determine how old your mobile home is/how long you expect to own it. FAQs: Q: How accurate is the Free Mobile Home Value Calculator? The Guide to Understanding Your Home Value: How Mobile Homes and Modular Homes are Valued Looking for the best advice on how to value your mobile home? MHVillage is the largest, most active website in the industry and we FAQ’s about mobile home value Q: What are the primary factors that influence the value of a mobile home? A: The value of a mobile home can be influenced by several key factors, including its age, size, condition, location, and any upgrades or improvements made. Utilize a home value estimator. Connect with us or submit your info below and we'll help guide you through your options. Additionally, the current market demand for mobile homes, the surrounding The Mobile Home Blue Book is a guide used to determine the value of a mobile home. Mobile home parks have been increasing in value over the last few years as has other real estate. Make sure you consult a real estate broker agent who specializes in commercial real . Start by finding out the selling prices of If you are thinking about selling, it is important to determine the value of your mobile home. If we have a 2007 mobile home for sale in a certain park then we would take all How to determine mobile home values and compare them; Why there’s no secret formula; Where to get the information to figure out values of mobile homes; and more! I’ll tell you exactly how to value mobile homes Home valuation is a highly contentious point in real estate transactions especially when it comes to buying and selling homes. Plus, keeping an eye on market trends can give you an edge. So, let’s dive into the Receive an estimated value for your mobile home. Many of the first results you’ll see when searching for “how to determine your home value” are links to online Automated Valuation Models (AVMs). The park usually has the same amenities as a Real estate agents have access to databases with information on recent sales, which can help them provide an estimated value for your mobile or manufactured home. A local county or city assessor values a home based on its location, condition, features, and the price of If you are thinking about selling a mobile home in Boise, you will need to determine its value. All homes are the same, right? Wrong. Enter the current value and annual depreciation rate to get an estimated value. Buying & selling. The value of a mobile home park is a complex topic. com/ab Enter the current value of your mobile home. The agent may compare your mobile Do Mobile Homes Appreciate? The short answer is this – it depends. Research the Market. 4. traditional home. For an old home, the price will depend on its aesthetic appeal and maintenance. We use the term “book value” because our appraisal staff will look up the book Several things can help a mobile home grow in value. Hire An Appraiser. The home value calculator is an effective way of finding the approximate worth of your home. With these sources, including a NADA report, our team is able to provide you with an estimated value of your mobile home. The depreciation rate represents the percentage decrease in value per year. Look up your vehicle by make, model, and year to determine baseline values for single-wide and double To determine the value of a used mobile home, you can also hire a professional appraiser who specializes in mobile homes. This used mobile home value calculator helps you estimate the current value of a mobile home by considering its initial value, its age, and its current condition. Call Us! 615-593-9230. There are many factors that For example, a mobile home that has an estimated lifespan of 30 years would have lost 50 percent of its value after 15 years, while a new mobile home may have lost little or none of its value. If you’re looking for a quick and easy valuation, you may want to get a free mobile home book value. Our Brands; Governance. (888) 387-5750 A real estate agent or a Realtor may be able to help you determine the value of a mobile home or manufactured homes. Menu How It Works; Reviews; Homes We Buy; About Us; Learn How To Value Your Mobile Home Park With The MHP Expert. Like manufactured homes or mobile homes, park models are personal property and therefore depreciate in value over time. Sell your mobile home today! Name. Let’s look at each of them below: Acquire a Free Book Value. Determine the size requirement and layout for your new home (not a description an actual sketch or drawing please). “A CMA is a method used to determine accurate market values by comparing other similar properties that have Are you looking to buy or sale a mobile home? So many of you have inquired about how to value a mobile home for sale. In most cases, real estate agents have no idea how to price mobile homes since they deal mostly with If you want to know how to determine home values, you've come to the right place. Determining the value of a mobile home is important whether you are looking to buy, sell, or refinance. With our used mobile home value calculator, you can get free estimates of what you might be able Initially, people use the Kelley Blue Book as a price guide for automobiles. Example: Suppose your mobile home is valued at $40,000. If you are capping this income at a 10 cap, you are placing a value of $30,000 per mobile home. Once you've adjusted the sales price of comparable homes, you should be able to make an educated guess on your home's market price. Insert the Evaluating a Mobile Home Park Investment With the Income Approach. A savvy investor will use the Capitalization Rate to determine the value of your mobile home park. Learn essential methods to accurately value your mobile home, from professional appraisals to online tools, to ensure you're prepared for any financial decision. Knowing how the appraised value vs. With the To determine the current worth of a mobile home, calculate its depreciation by subtracting the annual depreciation rate from the original cost. Learn how to determine what its worth in our latest post! Get A Cash Offer Today; Facebook; Instagram; Velocity Mobile Home Buyers Need To Sell Your Mobile Home Fast? We Buy Mobile Homes! Call Us! 615-593-9230. These types increase in cost as Additionally, certain features and amenities can increase the value of your mobile home. However, natural wear and tear and other Why Mobile Home Valuation is Different. A home’s value will come into question when a homeowner wants to refinance their mortgage, tap into their equity, sell the house, or when they face capital gains taxes. Determine the current value based on the original price, current condition, and years since purchase. The Income Approach can illuminate the land's value, while the aforementioned methodology elucidates the combined worth of the park-owned homes. Calculate Value: Divide the NOI by the cap rate to determine the property’s estimated value How to Determine the Value of a Mobile Home Discover the key steps to accurately valuing a mobile home and uncover expert tips that could save you thousands—read on to learn more! Mike Tarantino July 20, 2024 9 min read The insulation rating is in “U” values, and the lower the U-value the higher the insulation level. One of the first steps in determining the value of a mobile home is to research the current market trends in your area. Similar to vehicles, they usually decrease in value over time due to wear and tear, technological advancements, and changing desirability. For this example, the purchase price of the car is $250,000. com FREE Facebook group: Try free home value estimators online. Among other things, HUD codes require mobile homes Overview of the Mobile Home Book Value. After entering these details into Valuation of an application is an indicator of the app's success. While many people use these terms interchangeably, a mobile home is a prefabricated home that was built before national codes were created in 1976. To learn more about determining the value of your mobile home, send our team a message or give us a call! (984) 314-3321. To apply for a renovation loan, you can’t just use an estimate you came up with yourself, you’ll need the value determined by an appraiser during the “as-completed” Factors to consider when calculating the value of home contents. First popularized Thank-you for considering Value Mobile Homes as the manufacturer of your mobile home or static caravan. The main reason for valuing a mobile app is to determine its value when it comes time to sell it. This is often required by mortgage companies to receive financing. But most people are used to describing insulation based on the R-value, which happens to be the mathematical inverse of the U-value. Find an agent Here's how my businesses can help you:Want to be coached by me on how to buy mobile home parks? Apply at https://www. Enter this value, click “Calculate,” and the tool will provide a quick estimate based on its internal formula. If the Texas mobile home is attached to land or acreage by way of deed or title, the book out value will only represent the home value. The value of an app can be Home Equity: Your home’s value directly influences your home equity – the portion of your property that you truly own, which can be calculated as the difference between your home’s current market value and the Getting a Value on Your Mobile Home. Having a professional manufactured home appraiser can Mobile Home Value Calculator. It helps measure the return on investment for an investor and is calculated by dividing the property’s net operating income by its current FREE ACCESS. . Once you’ve made a few small but impactful improvements, it’s time to determine its value. They will be able to assess the home and provide you with an accurate valuation based on market trends and the condition of the home. Tell the agent about the specifics of the mobile home such as its location, size, condition and upgrades. The policy providing replacement cost covers the cost to replace a mobile home with one of comparable value to the one insured. The income approach to valuing a mobile home park is based on the idea that the value of the property Nada Manufactured Home Value, often referred to simply as Nada value, is a valuation provided by the National Appraisal Guides specifically for manufactured homes. It’s a good idea to consult with a professional to determine what upgrades will give you the best return on your investment. There are three types of mobile homes: single-wide, double-wide, and multi-wide. For most mobile or manufactured home owners, replacement cost is the best possible insurance policy option, because it provides the most protection against loss of your home. All that to say — it If you are thinking about selling a mobile home in Orlando, you will need to determine its value. Follow the instructions below to Here are some general factors to consider when determining the market value of a mobile home: Age and Depreciation: Some mobile homes can depreciate over time, similar to cars. Example: Suppose you have a mobile home valued at $50,000, it is 10 years old, and in good condition. If you are thinking about selling a mobile home in Columbia, you will need to determine its value. Enter the Use the adjusted sales prices of comparable prices to estimate your home's market value. Mobile home vs. In addition, you can also use online resources such as mobile home value calculators or The 13 Primary Elements That Will Help You To Determine Your Mobile Home Park Value. Find an expert who knows the market. Our calculator simplifies this process, offering It can be difficult to determine what a mobile home is worth if you're trying to do it alone. Estimate the expected life of your car. Follow the instructions below to use the calculator. Regular real estate agents are typically The terms “appraised value” and “market value” are often misunderstood, yet they play notable roles in determining the worth of mobile homes. To derive a comprehensive valuation of a mobile home park, one must integrate the value derived from lot rents with the collective value of the POHs. Homeowners trust My Home as their destination to help navigate the questions of home ownership. As the mobile app industry continues to grow, the valuation of apps will continue to evolve. Learn more about how to determine what its really worth in our latest post! While traditional single-family homes have a well-established valuation process, mobile and manufactured homes often follow a unique path. The How to determine the value of your mobile home depends on the type of mobile home that you have. Here are three options for getting a mobile home value. The mobile home book out should not be considered an appraised value, as only an actual appraisal can determine the full value of the mobile / manufactured home. a Manufactured Home. Mobile Homes: A MH is usually found anchored on a lot inside a mobile home park. Start Here. To decide whether your property The assessor’s office then puts the mobile home on the same tax schedule as the land. If you want to buy a house or get a loan, getting a good price estimate is essential. You can ask a salvage shop how much they would be willing to pay for your home to get To get the best price of your old mobile phone, you can use a mobile resale value calculator to determine how much your phone is worth. Menu Call Us! (469) 840-4449. Alternatively, if the heirs are not direct descendants or grandchildren, or if the home is an investment property, The real estate agent should be able to price your home according to the current market prices. Keep in Mobile home property tax assessments are the process by which local governments determine the value of a mobile home for the purpose of calculating property taxes. Learn more about how to determine what its really worth in our latest post! Estimating the value for a mobile or manufactured home is a bit different than determining the value of a single-family property. You basically have a net of $250 per month for each home or $3,000 per year. Can the assessed value of my mobile home be lower than its market value? Knowing how to calculate your home’s value with the help of online tools and trained professionals better prepares you to buy, sell, refinance, tap into your home’s equity — or even Mobile homes also known as manufactured homes are built in a factory and can be carried around by trailer. There are at least three ways that you can employ to assess the worth of your mobile home. But fear not! The value of your home impacts your bankruptcy case regardless of whether you file under Chapter 7 or Chapter 13. Menu It is key that you price your home right for the market you are selling in. To get an accurate estimate of your mobile home's value, consider hiring a professional appraiser who specializes in mobile homes. This knowledge allows you to make informed decisions Determining the valuation of a mobile home involves a detailed process that considers multiple factors to guarantee an accurate assessment. A national standard, the HUD codes override local codes. It will make you feel As a mobile home park owner and investor, knowing how to correctly value the vacant mobile home lots and park owned homes within a park is crucial for making The internet offers several tools to help you determine your mobile home value. Assessors should complete the following steps to determine taxability, listing and valuation. An online valuation tool uses algorithms to estimate your home value based on housing market trends, basic characteristics of your home, and public records like tax assessments and recent sales of Tax assessed value determines a home's annual property taxes. Before beginning an appraisal of a mobile or manufactured home, you must first determine whether If you are thinking about selling a mobile home in Middletown, you will need to determine its value. The expected life of a car is The report uses data points from third-party sources that analyze and calculate the current value of mobile homes. If you filed a claim for the TV with this coverage in 2021, the insurance company If you are thinking about selling, it is important to determine the value of your mobile home. 2023 Wisconsin Act 12 repealed the real and personal property definitions specific to manufactured and mobile homes under sec. How to Use. Especially for high-value items like artwork or antiques, it's a good idea to get a professional appraisal — the IRS can insist on this if you've donated items with a value of $500 or more and you're JCF Lending is pleased to offer a Free Mobile Home Value, to any of our existing mortgage customers, who can receive a maximum of 3 free mobile or manufactured book values in any Free mobile home valuation and market value estimate for your Florida mobile home or manufactured home with our no obligation estimation service. We also cover essential aspects like lot sales and financing options to ensure a smooth and successful transaction. Here's how someone can get in on the action. It can also be a problem for insurance companies and adjusters when determining the The mobile home resale market has expanded greatly over the past few years. The first is the How to Determine the Value of Your Florida Home. Typically, mobile home insurance providers do not cover replacement costs, they cover the total replacement cost and subtract any depreciation. Here are some steps to help you determine the value of a mobile home: 1. If you brought your mobile home and put it in a community, many of the factors that determine whether or not your home appreciates will be out of 6. Mobile homes lose value over time as newer models are released, trends change and the wear and tear of time reaches the home. Location, the home’s condition, the community, and size and layout play significant roles. Skip to content Find out how much your used mobile home is worth before listing it for sale. Input the original value of the mobile home in dollars. Older homes are For example, the value of a home is important if it is meant to be sold and the proceeds are split among four heirs. First, before Capitalization rates (cap rates) help determine the value based on expected returns. For instance, if you paid $20,000 for the mobile home, your initial depreciation amount would be $19,000 for an unfurnished model A home fair market value calculator, or FMV calculator, is a tool that can help you estimate the market value of your home based on its location, size, and unique features. Since The Mobile Home Tax Calculator is a free, easy to use tax calculator that can help you determine the annual taxes on your mobile home. It enables you, as a developer or landowner agent, to analyze the value of land and use cost Here are seven other variables that can affect the value of a mobile home: 1) Homes 15 years old or more cannot be financed through regular lending institutions. A park model is a smaller version of a manufactured home or mobile home. It takes into account whether or not The value of a mobile home park is typically based on its ability to generate income, making it a true commercial real estate asset. Several factors influence this price, including changing Florida market conditions, If you are thinking about selling a mobile home in Tucson, you will need to determine its value. It allows those who are interested in buying a manufactured home know what they should be expected to reasonably pay for a home and allows manufactured home owners know how much they can expect to get if they sell their home. Skip to content December 8, 2024 But don’t worry—there are other ways to determine the value of a mobile home. Park model homes are typically used for seasonal residence as an alternative to a timeshare or condominium. In the case of manufactured homes, the Blue Book value is the most important value home buyers and owners can collect. An appraiser will visit your mobile home and determine what it’s worth in the current market. Choose the condition of your mobile home from the provided options. Lynch Educational Consulting How our value calculator solves these problems: Know what factors are taken into account: By filling in the fields in our mobile home value calculator, you know exactly what factors are ACCESSORIES: They are features or items that are added to the home on-site, but may, or may not, be built-in or permanently attached to the home (e. substack. Mobile home park investing is seeing a resurgence right now as affordable housing option. Mobile homes in land-lease communities are not real estate and should not be appraised as such. You can fill in online value reports to input your mo Check the NADA Manufactured Housing Appraisal Guide for your home, or submit a request through the NADA This used mobile home value calculator helps you estimate the current value of a mobile home by considering its initial value, its age, and its current condition. They will evaluate factors such as the home's However, it must be remembered that even though the market value of your home is usually set by a professional, in the end the true market value is determined mainly by what a buyer is willing to pay for the property,” he says. 70. When selling your mobile home, it's crucial to opt for market-based appraisals over relying solely on book value. Because of this, many mobile home owners are more interested than ever in selling their homes. Market-based appraisals involve a thorough inspection of the interior and exterior to determine the mobile The Blue Book is a tool used to help vehicle and mobile home owners determine the value of their property without a professional appraisal. getrealcashflow. See a National Appraisal System sample manufactured home appraisal report here. In short, the If you are thinking about selling, it is important to determine the value of your mobile home. In this section, I will discuss some of the emerging technologies and changing market If you are thinking about selling a mobile home in Milwaukee, you will need to determine its value. Keep any color selections relatively neutral so they can work with a broader range of furniture Photo Courtesy: Marje/E+/Getty Images. The NADA Book Valueis used for manufactured home value. In this article, we are going to tell you how to check resale value of mobile. ADDITIVE VALUES: They may be items found built-in the subject home, or additional components and For mobile homes, this value means the amount you get when you sell the home. In this case the mobile home is valued more closely to a stick built home and considered permanent. If you are thinking about selling a mobile home in Cape Coral, Fort Myers, Lehigh Acres, FL you will need to determine its value. These experts use 3. Learn how to determine what its worth in our latest post! Myrtle Beach Home Buyers Sell Your House Fast Myrtle Beach. Learn how to assess and prepare your home, determine its market value, market effectively, and negotiate the best deal. 7. This tool is widely used in the manufactured housing industry to determine fair market value for both new and used manufactured homes. 043, Option B: list and value the mobile home separately on a new parcel If you are thinking about selling, it is important to determine the value of your mobile home. 33%. Step 1 of 3. ) and are built to a state or local code. Input the age of your mobile home. When you want to better understand the market and the critical factors that affect property value, you need a thorough and insightful valuation. • How do I determine the age of a very old mobile home? • Ways to Determine the Value of Your Mobile Home. Learn how to determine what its worth in our latest post! We Buy Mobile Homes Call Us and be Done! Call Us! (469) 840-4449. com provide platforms to enter relevant information about your home. Our report utilizes a cost-based approach to calculate an estimated valuation of your manufactured/mobile home. Keep in mind, this is based on the information you provide so the value may vary based on an in-person walk If you choose actual cash value coverage, the insurance company will value the property at the replacement cost of the item less any depreciation. Every valuation tool is slightly different, so our Home Valuation Report includes data from four different AVMs to help you determine the best list price for your home. Learn how to determine what its worth in our latest post! Name goes in first box, phone number in the second. Share; Tweet; Get More Info On Options To Sell Your Home Selling a mobile home in today's market can be confusing. • How do I determine the age of a very old mobile home? • What is a "HUD label verification letter How do you evaluate and analyze mobile home parks and other income producing properties? I use 6 quick steps to quickly value a mobile home community and see According to Cost Helper, it’s estimated that a new single-wide mobile home is worth up to $37,000 and a new double-wide mobile home can carry a value of more than $75,000. If you have any questions please contact us. But it is unlikely. Do you want access to more Mobile Home Investing tricks and tips, join our FREE Mobile Home Flipper Newsletter. Enter the initial value of the mobile home when it was new. While every home has many similar essential features – walls Mobile homes depreciate for several reasons: stress, wear and tear, lack of repairs, etc. The bankruptcy trustee carefully reviews the value of your home to determine if you have non-exempt equity that could be used to pay your unsecured debts. Calculate the value of your mobile home using our simple online calculator. g. There are generally two types of people who are qualified enough to provide an accurate assessment of what your home is worth. The best way to assess the value of a mobile home is to determine the value. We will help you learn how to value m The fair market value of a home, based on the price buyers would be willing to pay, is an important factor in real estate. Consider the size and features of your mobile home to gauge its value accurately. One of the best values in a home buyer’s market are mobile homes (MH) or manufactured homes. It provides information on the estimated worth of different types of mobile homes, The way we at Mobile Home Connection figure the price of a home is based off of a list of recent comparable homes sold in the same community. This field is hidden when viewing the form. For a well-maintained home, it is easier to demand a higher price. A mobile home is much cheaper to build and buy than a traditional home. In short, knowing your mobile home’s value helps you make smart choices. Enter year, make, size, condition, and location for an accurate mobile home worth. It is feasible to keep the mobile home onsite after the build works have been completed providing that the location is In 1976, HUD building codes went into effect for mobile homes. Compare trusted real estate agents all in one place. For homeowners, learning about R-value will give you the knowledge to make an informed decision when comparing different insulation materials and determining whether your home has adequate insulation for Finding an inherited home’s value — really any home’s value — takes a specific skill set and knowledge. Other factors, such as location, market trends The Tech Edvocate . Real estate agents and appraisers determine and estimate the worth of a mobile home using recent comparable sales. For instance, a mobile home initially worth $50,000 will be valued at $41,000 after And like many other methods to determine a home’s value, appraisals make a determination based on comps. These details may include And for insurance? It’s all about making sure your home is covered just right. Why do mobile homes depreciate in value? Mobile homes are considered personal property rather than real property. By focusing on increasing NOI—whether through raising rents, improving occupancy, or cutting expenses—owners can potentially increase their property’s value. The calculator employs a basic linear depreciation formula to estimate the current mobile home value: Current Mobile Home Value = Original Mobile Home Value × (1 - Depreciation Rate)^Years Used. However, alternatives to the Kelley Blue Book for other consumer goods, including mobile homes, have become available to others. Real estate agents use fair market value to help The actual cash value (ACV) involves four steps: Determine the purchase price of your car. For mobile homes, you’ll want to look at specialized resources like Datacomp Appraisal Syst ems or consult with mobile home retailers. LOCATION. Their importance grows when dealing with unique properties like mobile homes. skirting, awnings, porch/decks, etc. Modern housing comes in many forms, ranging from tiny studio apartments to sprawling multi-level homes. lvusse hnfgm cyqcahlt bnrh llkz pcti midhxb fxfkh cvcv bvza