The demand for real estate investment, which had previously been concentrated in houses and apartments, is expanding into shopping malls.
Regulatory policies are increasing day by day due to confusion in the real estate market and various problems.
Increasingly high regulatory policies have led to increased regulations on mortgage loans for ordinary homes and apartments.
It is said that demand is increasing due to investments in shopping malls, not existing investments.
However, the way to borrow money from this shopping mall is a little different from ordinary houses.
Although housing is generally based on LTV limits, shopping malls consider the ratio of rental income to RTI.
Because limits are calculated, they are not just limits and interest rates based on local and housing market prices.
More detailed comparisons and decisions should be made in consideration of more diverse conditions.
So let's see exactly what this RTI is and how it affects the limits of commercial loans.
RTI is a factor that affects the setting of limits for shopping malls with annual rental income and interest rates.
Annual rental income and interest on commercial buildings are divided into limits.
It is calculated like this and can only proceed if the annual rental income is more than 1.5 times the interest.
In addition, the limits and interest rates differ significantly due to various factors such as the type of shopping mall, appraisals, and credit ratings.
The types of shopping malls can be divided into two main types: buildings, classification stores, and the rate of restrictions varies depending on the type.
For building shops, you can use up to 85% of the capacity and get more credits.
Separated stores can limit up to 85% by adding 70% credit to slightly smaller amounts.
In addition to factors such as the applicant's credit rating and building evaluation, interest rates and limits will be generated.
However, just as general mortgage products have different limits and interest rates for each bank, commercial products may have different limits on commercial loans for each bank may have different limits on commercial loans.
For incidental price assessments that affect the limits, the assessment varies slightly from appraiser to 비대면폰테크 appraiser.
Since each financial company has a different assessment, it is better to compare the situation in various places before making a decision.
However, it is not easy to find only one or two places, and it is very cumbersome and difficult to find many places by bank.
It's simple to say, but it's practically impossible to find a place where there are many people shopping.
Therefore, there is a service I would like to recommend for those who have difficulty comparing the conditions of various financial companies.
It is a rate comparison service that compares financial products across the country.
I learned about this rate comparison service through the rate comparison when an acquaintance bought a house.
I heard that you received a good condition because you were recommended as a preferential interest rate product.
The matching bank's interest rate comparison service includes products that are difficult for individuals to identify at financial institutions across the country.
It is said that it recommends products that are most favorable to individuals by comparing them with abundant information such as real-time interest
Even if you don't visit the bank and check the status of each financial company,
Among them, commercial loan limits are more effective and easy to find because they match the products that best meet my conditions.
The best part of it is that interest rate comparison services like this are free at no additional cost.
I think it's good because customers don't have to worry about using the service because there's no additional cost to all consultations and recommendations