Commercial Bank Loans – In Credit Crisis
Commercial Bank Loans – In Credit Crisis
Commercial Bank Loans – In Credit Crisis
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Home Page > Finance > Loans > Commercial Bank Loans – In Credit Crisis
Commercial Bank Loans – In Credit Crisis
Posted: Mar 12, 2009 |Comments: 0
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Commercial Bank Loans – In Credit Crisis
By: Jeff Rauth
About the Author
Jeff Rauth is President of Commercial Finance Advisors, Inc. They close commercial mortgages throughout the US from 0,000 plus. 248 885-8797. commercial bank loans or commercial real estate loans or apartment loan
(ArticlesBase SC #815312)
Article Source: http://www.articlesbase.com/ – Commercial Bank Loans – In Credit Crisis
Commercial bank loans, aka conventional loans, though “beat up” are still available. Yes, pretty much every component of underwriting has tightened, i.e. loan to value, debt coverage ratio, global cash flow, borrower experience, etc but many decent (not perfect) commercial loan requests can qualify and enjoy the benefits. Like low, long term fixed rates, longer amortization schedules and the lowest fees in the business.
First of all, what do we mean by commercial bank loans? We’re referring to conventional loans that are funded by banks and are often held onto by the bank. Further these loans are not backed by any type of governmental support, like B and I or SBA loans are. So, because the banks fund and often hold onto the debt, they want to make sure they are decent deals.
Commercial Bank Loans
We get a lot of people that contact us with the mind set, “assuming you can’t help me, but thought I’d call anyway.” The key areas that borrowers need to keep in mind is that banks are mostly concerned with the cash flow of their business and what the borrower looks like on a personal cash flow level. This is referred to as Global Income.
One solution for many borrowers, that have not already filed their tax returns, is to simply tell their accounts to show as much income as possible. This often can be the cure that borrowers need to better qualify for these superior loans.
Also, borrowers need to do a “180″ on their attitude towards banks. Meaning, many banks are now in worse condition than many borrowers. They have cash flow and liquidity issues themselves. In fact, 80% of all commercial banks are pretty much on the sidelines. So just because you get turned down cold by a few banks does NOT mean you can’t find one that is healthy and has a real appetite for your type of loan request.
As far as the benefits, borrowers can currently expect low rates in the 6%’s, with amortization schedules from 25 to 30 years. Also, fixed rates on conventional loans can still go up to 10 years, though 7 and 5 years is more common. Further when compared to loans backed by the SBA or USDA loans that have fees of 2 -3% these are very inexpensive with normally only 1%.
Though commercial bank loans many have lower loan to value requirements, and increased general underwriting standards they are well worth the effort.
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Jeff Rauth -
About the Author:
Jeff Rauth is President of Commercial Finance Advisors, Inc. They close commercial mortgages throughout the US from 0,000 plus. 248 885-8797. commercial bank loans or commercial real estate loans or apartment loan
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Jeff Rauth is President of Commercial Finance Advisors, Inc. They close commercial mortgages throughout the US from 0,000 plus. 248 885-8797. commercial bank loans or commercial real estate loans or apartment loan
“Life comes at you fast!” in this funny insurance commercial that takes place in a bank.
Kenya Commercial Bank Likely to Report Loss in Rwanda, New Times Reports
Kenya Commercial Bank Ltd.’s Rwandan unit expects to report a loss this year after it spent $ 13 million on start-up costs, the New Times reported, citing Managing Director Maurice Toroitich.
Read more on Bloomberg
Question by Ahren B.: what are the advantages/disadvantages of using a credit union vs a commercial bank?
I’m at a crossroads right now as far as choosing a bank for a checking account, a general savings account, and a IRA account. I know that I should look at fees, stipulations, and APRs but I really want to know the pros and cons of a commercial bank vs a credit union.
Best answer:
Answer by SCH
Credit unions are not insured under the FDIC. They have their own kind of insurnace. A credit union cannot do any banking business on their own…so if you are using a credit union all your banking busness is being processed thru a bank anyway (they physically take all their work to a bank every night to be processed because they are not allowed to process it themselves).
Furthermore…did you pay any money in income tax last year? If you did you paid more income tax than the ENTIRE CREDIT UNION INDUSTRY. So basically everytime you pay a fee or pay interest on a loan it is free untaxed money in the credit union industry. That reason alone is enough to take your busness to a bank
What do you think? Answer below!
That little boy is so precious. I bet he’s just as fun in real life
what a brat
I would still call Allstate at 866-944-1981 for a free rate quote. You can call anytime 24/7 and the average driver who switches saves well over $300. The call only takes a few minutes and it’s free so why not? It’s always good to compare so you can get the best rate.
its nationpam dude
get the name right
Geico, Nationwide, and Allstate, all just big insurance companies that are trying to get alot of money out of you… But they do have some pretty funny commercials.
@ndwolstenholme Yeah, and he put a cup of drink in the mail shooter too! This commercial is just funny! HAHAHAHAHAHA!
0:18 to 0:39 HAHAHAHAHAHAHAHA!
He destoryed the car! HAHAHAHAHAHAHA! LMAO! I loved this.
If I were that little boy’s parent, I will teach him how to destroy cars.
hah too bad no fucker in the world would get a claim paid by an insurance company like that.
fuck this commercial.
they should get sued for liable
PULL FORWARD, YOU FOOL! Hah..
Cool!
We posted it on our blog Dialogo Aperto!
Have a look if you like
this is basically what happened:
guy in car: WTF?! who shot pens at me?
i could call nationwide, and have them look high and low for loopholes to get out of giving me a claim, or i could call the police, have whoever did that arrested, and have the cops force them to give me a claim…better call nationwide!
Get Rates Now from Top 10 Companies available in your Location! Bestlow-insurance . c o m
Compare Rates from Top 10 Insutrance Companies From your area, and Save hundreads on your Auto Insurance! Bestlow-insurance . c o m
Too bad this guy will never get a claim paid by Nationwide. They will find a loophole somewhere and avoid the claim. They did for me.
The pens should have gouged his eyes out.
oh wow could you imagine having all that stuff flying at you, I think I will avoid the drive thru at the bank now lol
They saved me 40 bucks a month check them out!
(877) 855-8111
You will need this info before you call
Pin-PMMX2 and Name-Metzing
That’s just silly. How could the kid put a sandwich in the mail shooter? A sandwich would not fit. I am not believing this commercial.
what a great mother
not relly funny what is that thing anyway??
I ain’t taken my niece to work tomorrow.
Thanks for posting we love this one too!
Kids are murdering machines.
Just another one of those commercials you love to hate.
the advantage to a credit union is its usualy a safer investment for larger fund you usualy get more intrest for acounts and lower loan rates but there not for every day use. i actualy have both a credit union acount and a bank acount if i want to use my atm card for the credit union i have to pay an extra dollar ontop of the fee i already paid to use the atm. baiscly the oncept of the whole credit union is more fees lower intrest rates going out and higher coming in.
While there are differences between a credit union and a commercial bank, these differences have been becomming blurred for over 10 years, and now there are credit unions that offer most or all of the services that you would find at a bank. Essentially, a large commercial bank will offer multiple branches, a wide variety of services and products. But their services, on average, are more expensive than that of credit unions.
Credit unions, on average, have lower fees than banks. They also can make more personalized decisions on loans and often provide more personalized service. Many of the advantages of credit unions also come with small, community banks, so if you opt out for a credit union, don’t overlook them. Their main disadvantage is that if you leave town, you often won’t have access to a branch nearby.
The bottom line, though, is that you should first determine what kind of services you are going to need from a financial institution, and shop around for the best deal. Stop by several institutions and ask for their fee schedules and compare.
You might be surprised at who can give you a better deal. Many large banks, like Wachovia, offer free checking and if you visit the same branch every time, you will soon be getting the same customer service and attention that you would get at a small bank or credit union. Plus, if you do travel, you have the advantage of a large branch network. On the other hand, I once was a member of a credit union that charged high fees, paid low dividends, and branch location was very inconvenient (only at work, which was an hour away). So just shop around.