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Episode 25: Boost your quality of life with real estate management!
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The theme for this Conspi Channel is
What is a Proprietor Loan? is.

Some of you may not be familiar with it,
To get a loan to buy real estate,
This is something that you should know about.

So let's get started!

When purchasing an apartment building,
"I have a proper quota at a regional bank."
There are times when we say things like this.
What is a "proper loan"?
Financial institutions can provide loans without going through a guarantor company.
Loans that are provided through unique screeningmeans

In a typical home loan,
The loan is provided through a guarantee company,
If a debtor has difficulty repaying their debt,
The guarantor company acts on behalf of the debtor.
This is how you repay the loan.

This mechanism allows:
Financial institutions are at risk of default
So you don't have to take it.

In contrast, a personal loan is
Instead of financial institutions earning a profit from lending interest,
Taking the risk of not being able to recover
Lending is carried outTo do.

In contrast to a personal loan,
Representative examples include the so-called "apartment loan."
Package Loanis.
For example, in the case of an apartment loan,
Naturally, the use of the funds was limited to purchasing an apartment,
User attributes, loan amount, interest rate,
Loan period, repayment method, etc.
It is predefined,
You can only get financing within the limits of those regulations.

Proprietary loans are
Since financial institutions conduct their own screening,
Completely custom-made financing and
That can be rephrased.

If you can read the profitability and strength of the business,
Loan amounts and interest rates are preferential,
Better terms than package loans
You will be more likely to get financing.

However, it is not only benefits,
Of course, this is only possible with a direct loan.
Demeritalso exists.

To give a brief summary…

① The screening process is strict

② Loan periods are often shorter

3) The proportion of self-funding will increase

It becomes.

Financial institutions take risks
Because it is a form of financing,
Of course the screening will be tougher,
The screening period is also shorter than that of a package loan.
It tends to be longis.

In exchange for a lower effective interest rate,
Loan period is also the statutory useful life
The period will not be longer than this.
Contribution of own funds to reduce risk
It tends to be a big ask.

From these characteristics,
Because the period is short,
To generate cash flow
Although somewhat unsuitable,
Those who want to keep interest rates down,
For those who want to improve their balance sheet
A useful loan forIt becomes.

The general flow is as follows:
For beginner owners,
For those who have difficulty raising large amounts of their own funds
Starting with an apartment loan,
Gradually become able to use personal loans
It feels like we're moving forward.

It's not something you can tackle overnight.
Although it is a high hurdle to obtain a direct loan,
How to expand your real estate management business
I think it's something that can't be avoided.

However,Apartment loans are bad
Not just talk, but depending on the situation and phase,
You will be able to use them properly.
BetterI think.

Keeping in mind the mechanisms of each
While being well controlled
I would be happy to manage your real estate business.

Learn about real estate management

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