The demand for real estate investment, which was previously focused on houses and apartments, is expanding toward shopping malls.
Regulatory policies are increasing day by day due to confusion in the real estate market and various problems.
The ever-increasing regulatory policy has led to increased restrictions on housing units for 폰테크 ordinary houses and apartments.
It is said that demand is increasing due to investment in the shopping mall, not the existing investment method.
But this store has a slightly different way of borrowing money from ordinary houses.
Housing is generally based on the LTV limit, but the mall considers the ratio of rental income to RTI.
Because the limits are calculated, not just the limits and interest rates based on local and housing market prices,
We need to compare and decide in detail considering more various conditions.
Then, shall we find out exactly what this RTI is and how it affects the limit of the commercial loan?
RTI is a factor that affects the limitation of the mall at the annual rental income and interest rates.
We divide the annual rental income of the building and the annual interest rate.
It is calculated like this, and progress itself is possible only when an annual rental income of 1.5 times or more is generated.
In addition, the limits and interest rates can vary widely due to various factors such as the type of shopping mall, appraiser, and credit rating.
The types of shopping malls can be largely divided into two categories: building stores and sorting stores, and the limit ratio varies depending on the type.
In the case of a building mall, you can use it up to 85% and get more credit.
You can get a limit of up to 85% by adding additional credit to a slightly smaller 70% limit.
In addition to this, interest rates and limits will be incurred by adding factors such as the applicant's credit rating and building appraisal price.
However, just as banks receive different limits and interest rates, commercial products can also have different limits on lending to each bank.
In the case of collateral price assessment affecting the limit, the assessment varies slightly from appraiser to appraiser.
There is a difference in the appraisal price of each financial company, so it is better to compare and decide the conditions of various places.
However, it's not easy to find only one or two places, but it's very cumbersome and difficult to find various places by bank.
It's simple to say, but it's practically impossible for a person who sells his or her own footwork to recognize many places.
As such, there is a service that I would like to recommend for those who have difficulty comparing conditions of various financial companies.
It is a interest rate comparison service that compares financial products from all over the country.
I learned about this interest rate comparison service through an acquaintance, and when an acquaintance bought a house, it was through interest rate comparison.
I've heard that I got a good offer due to the recommendation of an advantageous interest rate product with good conditions.
The matching bank's interest rate comparison service is designed to provide products from financial firms across the country that are difficult for individuals to recognize.
They recommend products with the most favorable conditions for individuals by comparing them with rich information such as real-time interest rates.
You don't have to go to the bank and sell the products, but you can check the terms of each financial company.
Among them, it matches the products that are most favorable to my conditions, so you can find a better commercial loan limit more efficiently and easily.
The best part is that interest rate comparison services like this are free services without any extra cost.
I think it's good because customers don't have to worry about the extra cost while using the service because there's no extra cost in all the processes such as counseling and recommendation