Financing a commercial deal is similar to residential real estate in that you'll need to apply for a mortgage, have good คอนโดมือสอง กรุงเทพ credit and provide some down payment funds. But while commercial investing provides some unique opportunities there are a few basic differences that which you'll need to be aware.
What is considered commercial real estate? Any property that is used for business purposes is considered commercial. This can mean an office building or a strip center or a car wash. Commercial lending does not include single family residential homes that are being rented out for income.
Banks will review a commercial application first looking at you the borrower. Do you have any experience with the enterprise you're considering? If you're looking to finance an office building, is this your first commercial rodeo? If so, you'll be scrutinized a bit more compared to a seasoned investor.
Second, commercial loans will need to make sense to the bank. How will the bank be repaid? Is the commercial property generating enough income to not only manage the business but provide enough income to service the loan?
Finally, be prepared to put down at least 20 percent for most commercial deals. While banks will make loans on a medical building they'll do so after the borrower makes a sincere down payment, and when considering the prices of commercial real estate compared to residential properties, those funds can quickly add up.
There are many more variables in commercial finance to consider but making sure the commercial enterprise is profitable, there are funds available for a down payment and closing costs and you can present a solid business plan, you'll soon be on your way to a successful transaction.
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