商业和建筑贷款 / Commercial and Construction 

What Are Commercial and Construction Loans?

Commercial mortgages are used to finance properties such as office buildings, retail spaces, warehouses, or multi-unit rental buildings. Construction loans are designed to finance building projects, including custom homes, multi-family developments, or commercial buildings.

什么是商业贷款和建筑贷款？

商业贷款主要用于融资写字楼、商铺、仓库或多单元出租物业等商业用途的房产。建筑贷款则是为建筑项目提供的专项贷款，如自建住宅、多户住宅项目或商业建筑工程等。

Who Is It For?

Commercial Loans:

• Business owners purchasing or refinancing commercial property, such as Retail, Office, Warehouse etc

• Investors acquiring income-generating properties

• Clients developing rental buildings

Construction Loans:

• Builders or developers constructing residential or commercial projects

• Homeowners building custom homes

• Investors financing large-scale renovations

适合哪些客户？

商业贷款：

• 需要购买或再融资商业物业的企业主 - 比如零售店铺，写字楼/办公室，仓库等等

• 投资者收购可带来租金收入的房产

• 建设出租住宅的开发商

建筑贷款：

• 自建或开发项目的建商与开发商

• 自建个性化住宅的房主

• 需要为大规模装修或扩建提供资金的投资人

Key Features

Commercial Loans:

• Approval based on property income, business strength, and borrower credit

• May require lease agreements or business financials

• Loan-to-value (LTV) typically lower than residential loans

Construction Loans:

• Funds released in stages (draws) during construction

• Interest-only during build phase

• Final mortgage can be arranged once construction is complete

主要特点

商业贷款：

• 根据物业收入、企业财务状况和借款人信用情况审批

• 通常需要提供租赁协议或公司财务报表

• 贷款额度比例（LTV）通常低于住宅贷款

建筑贷款：

• 资金按阶段发放（称为 "draws"）

• 建筑期内通常仅需支付利息

• 建筑完工后可转换为长期房贷