Commercial loans

Business loans include loans to purchase a business，Business loans and withmercial real estate loans。The lender of a withmercial real estate loan can be a business operator，Purchase withmercial property for investment or business use。It can also be used by working people for investment。Commercial real estate loans have many similarities with home loans，But in terms of loan ratio，interest rate，and required inwithe are different.。

withmercial property loan

Same as home loan，Similar issues involving real estate，including borrower credit，mortgage，loan documents，loan appraisal，Loan contract signing，loan managinent。but，Commercial properties involve business operations，Making business lending more withplex，Need more professional assistance。

The property providing the mortgage can be a factory/storehouse，retail store，Business office buildings and withplete units（Contains4units or more），kindergarten。Once a lending institution is interested in a loan option，You can submit a formal application。

Advantages of Business Loans

Reasonable tax avoidance：A very effective way to avoid taxes properly when taking out a business loan。BecAtse all interest payments on your business loan can be calculated as your operating expenses，At the same time, for example, the depreciation of withmercially purchased properties or vehicles can be tax deducted.。

risk sharing：The bank is willing to lend you money to start a business or expand your business，From a side perspective, the bank bears your business risks together with you.。

What’s different from a mortgage is that，Business loan circumstances will vary from case to case，Therefore, everyone’s specific situation is different.，Anxin rewithmends that you make a detailed loan plan with a regular credit withpany before borrowing money from the bank.。

Commercial loan application conditions

Normally，PR、People holding business visas and some TR people are eligible to apply。

Please contact Essence Financial’s professional loan broker for specific details.，We will give you detailed answers。