Financing commercial walls with professional loans

The purchase of commercial walls has many advantages, however, it is important to choose the right investment.

Commercial Walls

Commercial Walls

Financing commercial walls with business credit can be an interesting operation for companies that want to invest. Indeed, companies can acquire commercial walls to enlarge their real estate stock but they can also become owners of the walls of the business they operate. The rent they paid may, under certain conditions, be the same amount as the monthly payments of credit and thus allow the entrepreneur to build a heritage without too much extra weight in its budget.

How to choose your commercial walls?

Different criteria must be taken into account:

  • The location of the commercial premises
  • The type of business
  • The layout of the premises
  • His price

The price of commercial walls is not calculated in the same way as for conventional real estate. The surface of the property is not taken into account but the estimated yield of the premises according to the rent perceived. Commercial walls are therefore not subject to the same fluctuations as real estate.

It is important to distinguish between buying occupied and free walls. For the occupied walls there is the presence of a real estate lease. When the walls are free, it is a tenant default.

The benefits of buying commercial walls

The benefits of buying commercial walls

Becoming a commercial property owner also means getting rid of certain charges from a classic property owner. Indeed, the property tax is often reimbursed by the tenant and the co-ownership works (with the exception of the main works) borne by the tenant. In addition, all work in the commercial space must be financed by the tenant since it is he who operates the business.

It is important to ensure before the purchase of the commercial walls that the co-ownership by-law authorizes the activity exploited by the business and to study well the commercial lease.

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Loan calculation: how to choose convenient financing

The request for a loan is always linked to the concern for the payment of monthly installments. Often the urgent need or the habit of referring to the family institution or to the one closer to home, induce us to make hasty and inconvenient choices.

Before signing a loan contract, it is a good idea to make an accurate calculation of the actual amount of the loan,

loan contract

to know its total price and to see if you can pay the monthly installment.

First of all, to make a precise calculation, we need to consider the two loan interest rates : the Tan and the Taeg . The first, often cited in advertising sponsors with the “zero-rate” formulas, represents the annual nominal rate , ie the interest rate applied to a loan, calculated on the amount provided by the bank. From this indicator, in reality, however, all the “ancillary” expenses of the loan are excluded (preliminary investigation costs, those of practical opening, collection of installments and any insurance costs), for which it is necessary to calculate the loan installment, but it is not enough to understand the real cost.

To do this, it is necessary to refer to the Taeg , ie the Global Effective Annual Rate , also called the synthetic cost indicator (ISC), which, in addition to indicating the interest applied to the loan, also includes all the ancillary charges to be borne by the debtor . In the Taeg, based on the provisions of the consumer credit legislation, the cost of commissions, taxes and mandatory insurance must be indicated. In the Taeg, on the other hand, the expenses related to state stamps, notary fees, default interest and non-compulsory insurance are excluded, which must however be taken into account.

Calculating the final price of the loan

Calculating the final price of the loan

The important thing, therefore, is not to simply stop at the Tan, but consider the Taeg and all the expenses not included in it. A good way to make an online Lily Bart calculation is to refer to the calculation services offered by the same banking institutions, while if you want to compare the different Lily Barts, you can consult the SuperMoney website.