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The following article was published in our article directory on June 14, 2012.
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The Great Facts About of Bridging loans

Article Category: Advice

Author Name: Tourae Martin

At first glance, the terms bridging finance and hard money seem to be the same. After all, both concepts work well in the real estate industry and share a number of other common characteristics. But there are things to differentiate them too. Read on to find out what makes the two similar and what makes them different. Interest rates on this type of bridging loan will be above bank rates to reflect the risk to the lender and the cost of realising the value of any assets used as security if the loan is defaulted on. There may also be a lower loan to value (LTV) on such loan in order to minimise the lenders risk. However, if you repay the bridging loan within the specified time period, you are able to close these loans in advance of the agreed term, often incurring monthly exit fees.

First of all, lets start with what removes the equal sign form the two concepts. Hard money refers to who is the lender. Often times, an individual is behind the loan, but there are also some private institutions and companies that work in this field. Note that a bank will not hand out hard money loans. The risks are too high for them, and the high interest rate is usually not enough of a guarantee. A bridging loan, on the other hand, is something that both private lenders and banks work with.

Even if banks offer the possibility of contracting this type of loan, the interest rate will typically be higher than the rest of their products, but usually lower compared to private lenders. Other than that, bridging finance and hard money are basically identical. The origins of the hard money loan and bridge loan are similar in that they require out of the ordinary conditions to be fulfilled in order to apply for them. That is cause of why these loans are not something that fit the standard we are used to.

Furthermore, they address short terms needs, with repayment plans seldom exceeding 1 year. So far, the longest loans have extended over a period of 3 years. Another similarity is that although their main field of activity lies in the real estate domain, they can be used for other activities, in certain conditions. For example, both can be used to prevent bankruptcies, an act which is hardly related to real estate. Bridging finance and hard money loans also resolve around the concept of timing and availability.

Considering both usually work with time frames of 2-4 months, costs are not the number one priority when thinking of applying for such loans. And the potential benefits resulting from them are also high, especially if we are talking about an investment with a rich potential for profit. In the end, as you witnessed, a hard money loan is pretty much the same thing as a bridging finance, with no huge difference to sort them out; call them what you like the sort them advantages of both are real.

Keywords: bridging loan, bridging loan calculator, bridging loan rates, what is a bridging loan, bridging loan uk, bridging loans, bridging loans uk, bridging loans calculator, bridging loans explained, commercial bridging loans

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