មូលដ្ឋានគ្រឹះនៃការវាយតម្លៃប្រាក់កម្ចីរូមមាន ៖ 

1- 5Cs

- character
- capacity
-capital
- condition
- collacteral

2- 4Rs
 - right people
- right amount
- right time
- right business  

3- REALTOR
- right collateral
- estimated the value of collateral
- ability to sale collateral
- location of collateral
- type of collateral
- ownership of collateral
- risk of collateral