Before starting the study of the ups and downs of commercial mortgages, it is necessary to deal with several important moments. First of all, it must be borne in mind that the market of mortgage of commercial real estate in our country was not even in a successful pre -crisis time.
Small organizations rented commercial real estate, and companies of medium or large business bought business or shopping centers without the help of loans. A small percentage of transactions of commercial real estate sale in credit was concluded only individually. It is also worth noting that if a loan for 20-30 years was given a loan for the purchase of housing, then the purchased commercial real estate in Odessa on credit was supposed to be paid in 5 years. There were also more rigid rates on the loan, as well as the requirements for the initial contribution.
The program of sale and sale of commercial real estate on credit cannot function normally due to the presence of several objective factors. First of all, this is that many companies do not want to show their real financial income. Accordingly, the bank without reliable data cannot adequate assessment of credit risk. The situation is also complicated by the presence of difficulties in assessing the object. After all, commercial real estate is evaluated individually, taking into account several different factors. When buying commercial real estate, it is important to have an idea of the final result. If the main goal is to acquire the necessary areas for business, then the situation that has developed today is very favorable. If real estate is acquired for the purpose of investing, then the expectation of the sale of real estate, which is in pledge of banks, is also of particular importance. Today it is still clearly not clear at what stage the market is located.