Commercial Property loan

GET COMMERCIAL & INDUSTRIAL PROPERTY LOANS

Buying a property can be emotionally drenching and financially risky. Your dream retirement can turn into a nightmare if you are greedy. Greedy people tends to part with their money easily.

Buying a commercial property is complicated and fraught with risks. There are many classes of commercial property.

The types of properties are:

• Commercial Offices
• Commercial Retail
• Commercial Mixed use (office and retail)
• Commercial Hotels
• Light industrial
• Heavy Industrial
• Others

There are differences between a person buying in a personal capacity as well as buying via a company (Proprietorship, holding company or Private limited) and varied.

People buying as individuals are fairly straight forward transactions. For buying a commercial or industrial or even a residential property using a company, getting financing may be fairly complicated.

WHAT DOES IT TAKE FOR MY COMPANY TO ACQUIRE A PROPERTY?

If your company is a Pte Ltd and is established for more than 3 years with a stable and verifiable cash flow, it would be fairly straight forward.

If your company is a newly formed Pte Ltd with less than 3 years of income, then many banks may not consider the loan. Some banks may consider the loan only based on the financial profile of it’s directors. In this case, the directors earning capacity and cash flow comes into the picture, much the same as any individual trying to get a property loan.

MY COMPANY WANTS TO ACQUIRE A HOTEL – WHAT SHOULD I DO?

If your company wants to acquire a hotel or for that matter, any income generating property asset, you may combine your own company’s finances and cash flow together with that of your acquiring assets.

In such as cash, your financial cash flow will need to be presented to the bank as well as calculating the combined cash flow of your company after acquiring the asset. That would then involve us to help you to do due diligence and create multiple cash flow scenario and then present these findings to the banks to acquire the best loans for you. (Please note: This is a FEE Based service)

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Our researchers are Finance, Investment and economics trained. Our Chief editor is a MBA graduate from a prestigious University renowned for finance and investment.

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