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SpinDistribute.com Article Directory

The following article was published in our article directory on September 23, 2015.
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Simple Guide to Commercial Property Mortgage

Article Category: Real Estate

Author Name: Michael McGovern

Before you start looking for a mortgage in New York, it is important that you understand the basics of the trade as well as to determine the potential of your business. Similar to getting a residential mortgage, you need to look for the best possible deal in the market. In order to make things easier, you may need to consider hiring the services of commercial mortgage broker who covers the whole commercial property market.
Generally-speaking, commercial mortgages last for 15 years or more. With regards to residential mortgages, the premises will be at great risk in the event that the borrower is unable to keep up with the repayments. Most banks and private lenders offer commercial property mortgage. However, it is still important that you meet their requirements.
Although there are lenders who still accept applicants or businesses with a negative credit score, it still helps if you have a clean credit card history. This can help improve your chances of getting accepted and landing a more competitive deal. The lender will then apply a loan-to-value ratio to the mortgage. Most of the time, it will require you to invest some of your own finances into your property. The more money you give to your investment, the more chance you will have to land a good mortgage deal.
The lender might also need to ask for more information about your business and have it scrutinized for its potential. They may ask for a business plan and portfolio to check the longevity and the earning potential of the business.
Understand the value of your property through comparable property salesBefore you start searching for a loan, you need time to study the comparable property assets in nearby areas in the metro. Nowadays, this information can be easily acquired through the internet. Having a detailed comparable property asset information on-hand can help give you a good impression to the lenders as they value those who have this type of knowledge readily available.

Prepare a cash flow of your property

Preparing a 2- or 3-year cash flow of your property can help you better understand your commercial property. It can also help a lender to determine your future view of the asset in question, as well as your view on issues concerning commercial properties such as tenancy vacancies and capital expenditure.

Prepare a detailed and up-to-date assent and liability statement

Aside from your business� corporate structure diagram, the lender will also require you to submit a detailed and updated asset and liability statement. This can help the lender better understand your financial position and your suitability for the loan that you are applying. The asset and liability statement needs to include the following details: name of the owner, the asset, the value of the asset, net income acquire from the asset per annum and all other critical information.
These are just some of the information you will need when applying for commercial property loans. You need to keep in mind that getting a commercial property mortgage is not always that easy as you need to invest most of your time and efforts in order to get a good deal. Hiring the services of a professional commercial property mortgage broker can help you a lot.

Keywords: commercial property mortgage, commercial property loans

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