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How Your Loan Payments Are Calculated

Commercial mortgage payments are determined by four main factors: loan amount, interest rate, term, and collateral.

How much you’re able to borrow depends on your net operating income, the type of real estate you’re using as collateral, and your property’s value in comparison to the loan amount. Most commercial mortgage amounts range between $150,000-5,000,000.

The interest rate on commercial mortgages is typically 4.25-6%. Rates vary based on how long you’ve been in business and what your credit score is. The higher your credit score, the easier it is to open the door to a lower interest rate.

Most terms are 20-25 years and will vary by lender.

Other Factors That Influence Your Payments

Applying for and reviewing your loan options through Lendio is always free – however, many lenders will charge you application fees. It’s a good rule of thumb to always ask about potential application fees before starting the process with a lender.

And while you’re at it, ask about origination fees too. Knowing all your upfront expenses will help you determine the total cost of your commercial mortgage.

How You Can Reduce Loan Costs

The easiest way to keep your costs under control is to make your minimum payment on time every month. This helps you avoid late fees and boost your credit score. Calendar your due dates or set up automatic payments to make sure you don’t fall behind.

Some lenders will offer you a modest discount for paying off you loan early while others may implement prepayment penalties. Before you rush to make advance payments, ask your lender about any potential penalties and discounts that apply to your commercial mortgage.

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