Raw Land LoanRohland loan
Announcement | Products
Régis is one of the most diversified financiers in the world. No matter whether they are secure on your principal home or an asset, we can fund them. Whether it is a potential buyer or an already existing real estate. This may be a piece of real estate that you already own or something you would like to buy.
Land can be lent with or without building permit and at all sites, even simple farmland in isolated countryside. As a rule, buy to let is the simplest of all securities categories, so that these credits can be implemented even faster. We are an expert lessor of these special kinds of real estate assets and are well positioned to provide you with financing.
This makes us the bridge financier for property rental property owner. This can be your primary home that will require some work or a buy to let Investment that does not entirely meet a leasable rental standards. No matter what the cause, the fastest way to free up your funds is through a bridge loan.
We can even provide a loan if First Mortgage is in default.
Restart ing process for HPVCRE
Only a few weeks ago we announced that the German bank supervisory authorities had set themselves the target of the High Volatility commercial property ("HVCRE") regulations that came into force in 2015. Firstly, the HVCRE standard would replace the current HVCRE definitions with a simplified HVADC standard that applies to loan arrangements that mainly fund or fund operations of ADCs.
Secondly, HVAADC exposures would be given a 130 per cent hazard mass, as against 150 per cent hazard mass for VCRE exposures under the current regulation. However, the compromise is that HVAADC would cover a much wider range of lending. Thus, for example, the proposal to define HVCADC exposures would not provide for an exception to the definitions of exposures of HVCRE in respect of credits financing significant equity investments, thus removing the limitation on the freeing of self-generated equity.
Primary financing is defined as borrowing under which more than 50 per cent of the loan income is used for business with ADCs. For example, multi-purpose installations where more than 50 % of the loan income is used to fund non-ADC operations, such as the acquisition of hardware, would not be regarded as HVADC. Like the HVCRE regulation, there are certain exceptions.
The HVADC would provide long-term lending, joint support loan, credit for the acquisition or redevelopment of farmland and credit for one to four flats for families. Thus, batch processing loan and loan to fund the financing of the construction of the ADC of terraced or terraced houses would not be regarded as HVADC, but as Rohland loan and loan to fund the construction of the DDC of flats and condos in general as HVADC.
Buildings that have the main objective of "community development" are not regarded as HVADC. Similarly, a loan to fund an activity that promotes commercial viability by funding companies or agricultural holdings that satisfy the criteria for scale in the Small Business Administration's or Small Business Investment Company's programmes or that have $1 million or less in GDP would not be regarded as HVADC as long as they satisfy the current test for government purposes.
Simplifying the rules is very welcome. HVCRE has proved to be a very challenging regime to implement, in particular the condition that the beneficiary must not take any self-generated profit out of the loan during its lifetime. It is more complicated at this point to assess whether the amended rules actually make a distinction in the end result.