Best practices in commercial real estate financing ground rent adjustment formulas: the developer's and the lender's point of view

2004 ◽  
Vol 4 (1) ◽  
pp. 74-85
Author(s):  
Paula K. Konikoff
Keyword(s):  
Real Estate ◽  
Best Practices ◽  
Commercial Real Estate ◽  
Point Of View ◽  
Real Estate Financing

scholarly journals Best practices in commercial real estate financing multi-state loan transactions

2005 ◽  
Vol 4 (4) ◽  
pp. 301-307
Author(s):  
Adam Weissburg ◽  
Caroline Dreyfus ◽  
Joshua Stein
Keyword(s):  
Real Estate ◽  
Best Practices ◽  
Commercial Real Estate ◽  
Real Estate Financing

scholarly journals Commercial mortgage lending: standardization issues

2020 ◽  
Vol 2020 (2) ◽  
pp. 100-106
Author(s):  
Aleksandr Evgenievich Ushanov
Keyword(s):  
Real Estate ◽  
Best Practices ◽  
Interest Rates ◽  
Mortgage Lending ◽  
Commercial Real Estate ◽  
Commercial Property ◽  
Banking Business ◽  
The Russian Federation ◽  
Business Process Quality ◽  
Commercial Mortgages

The article states that a loan secured by commercial property (commercial mortgages), as one of the most popular types of corporate loans has a number of advantages compared to other types of borrowing: the borrower is able to quickly get the necessary amount of money for any need - business expansion, working capital, ability to Finance large deals, and the disposal of banks remains liquid assets, quick sale which will cover damages in case of default by the cus-tomer of the terms of the loan. It is confirmed that the product is characterized by specific risks, often resulting in refusal of credit or their manifestations in the course of servicing the debt: unac-ceptable for the lender level of capitalization and liquidity of the collateral, the degree of occupan-cy of commercial real estate and the level of indexing of interest rates on leases; rental impropriety of the object for commercial use; encumbrances accept collateral in other liabilities etc. It is noted that one of the ways to improve the process of commercial mortgage lending in order to reduce transaction risks is its standardization. In the Russian Federation, the Association of Russian Banks is developing banking standards, which to date has approved more than fifteen standards (most of them are banking business process quality standards and methodological documents). It is pro-posed to develop a Standard for the lending process secured by commercial real estate; a matrix of requirements for the components of this process is provided, reflecting the best practices of leading Russian banks working in the field of commercial mortgages. In using the Standard, stakeholders are both credit institutions and borrowers.

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