What value does a lender assign to kitchen appliances in a property sale?

In a property sale, kitchen appliances are generally considered personal property rather than real estate. As such, lenders often assign them no financial value when determining the overall value of the property for financing purposes. This is because the primary focus in real estate transactions is on the value of the physical structure and land, which are deemed real property.

While appliances may have some market value based on their condition and age, a lender typically does not factor these into the property's appraised value. Their focus is on assessing the core aspects that contribute to the property's overall worth in terms of stability and permanence, which does not include personal items like kitchen appliances. This approach aligns with standard practices in real estate financing, where lenders concentrate on more significant elements that impact a property's long-term value.