Commercial Real Estate Loan

  

Conceptually, a commercial real estate loan isn't much different than what you'd expect. Like getting a home mortgage, it involves borrowing money to buy a property, while using that property as collateral for the loan.

The type of property involved in the deal represents the main departure from a typical mortgage. Instead of a home that you intend to live in, the commercial property is for business (See: Commercial Real Estate). You might operate your own business out of the place. Or you can rent it out to other businesses...if you bought, say, an office complex or a strip mall.

While the general concept of a commercial real estate loan resembles that of a home loan, some details are different. The loan is generally made to a business entity (a corporation or an LLC), although, depending on the situation, the lender might require a personal guarantee as well. Also, the laws and regulations that apply to commercial real estate loans differ from those for home loans.

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savings and loan some savings and loans yeah it's a cleverly named you know like [Case of cash appears]

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home loans car loans stuff like that banks issuer of credit cards and big

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lines of credit for small to large business savings and loans the little

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local retail gal banks the big fat cat corporate dude with big appetites and [Woman sitting behind savings and loans desk]

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savings and loans owned either by the lenders and borrowers of the savings and

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loan itself you know kinda like a co-op or it can be set up like you know normal

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ish corporation banks usually owned just by shareholders some are big like this

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guy and that guy yeah and there's a whole bunch of other small fries too

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business half of that for small business loans at least these days and why did

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delineation well because small business is default a whole lot more than big

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Loan Bank system Fannie Mae in the gang those guys and in order to do that ie [Man with savings and loans briefcase for head appears]

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small home mortgages a lot of first-time buyers there all right well why is this

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a thing well because the American Dream from a political perspective revolves in [A couple moving into house]

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large part around owning your own home right not a bad idea the government has [Uncle Sam appears and boy walks away with pile of cash]

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shareholders of the bank duh and they're financially Darwinian beasts [Charles Darwin beast appears in misty forest]

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out at much higher rates to customers right and they live on that spread so

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card issuance like I think about how much money your credit cards charges and

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