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Business loans can be used to fund any number of business purposes. Small businesses that lack the finances to get projects, or their startup company, off the ground, business loans can be the difference between success and failure. There are agencies, like the Small Business Administration, who acquire loans for businesses through commercial banks. Some loans can be taken out for specific purposes, like financing equipment and real estate financing, while others can be used for any purpose related to the business. Read More...
Homeowners can apply for home refinancing, meaning they can get an entirely new mortgage on their home. This can be advantageous when mortgage interest rates fall below what they were when the original mortgage was taken out. This will result in lower payments and savings over the entire life of the loan. But homeowners must meet certain criteria before they can refinance; homeowners’ credit file will be reviewed, and a title report along with a report on liens on the property will be done, among other things, when the homeowner is going through the application process. Read More...
Buying and selling businesses comes with a variety of challenges. First the business must be valuated to assess its worth, then advertised, potential buyers must be negotiated with and a final candidate must be chosen through due diligence. The buyer must go through interviews and negotiations in order to determine whether or not they are qualified to take on the business and both parties generally deal with a business broker, who facilitates all of these processes. When buying or selling a franchise, the franchisor is a resource for both the franchisee looking for interested parties, and the potential buyer who wants to own a part of a successful business. There is much to keep in mind on both ends of a business sale to ensure the effective transfer of a company from one owner to another. Read More...
Real estate law deals with legal codes pertaining to commercial and residential property. Real estate and real property are usually accepted as synonymous and are differentiated from personal property, or chattel. Fixtures, such as houses or buildings which are permanently attached to land are considered par of real property and are governed by real estate law. Trees, minerals, and other permanent structures also fall under these regulations as well as the benefits and rights that they bestow upon the owner of the property. Read More...
Insurance is a form of risk management, where one party pays another to hedge against some type of loss. Insurance policies can be purchased for a number of different uses and to protect against a variety of losses. Life insurance, auto insurance homeowners insurance, and health insurance are some of the most common types that people pay for. In these instances people are hedging against sickness and loss of life as well as damage and destruction of property at the hands of others. There are differing laws throughout the country that govern the necessity of having certain types of insurance. Read More...
Residential real estate includes real property that is zoned for housing like single and multiple family houses, apartments, duplexes, townhomes, condominiums and mobile homes. Zoning for residential areas generally has a smaller floor to area ratio than commercial zoning and can either permit some commercial services or completely exclude them from the area. Development of residential areas involves planning infrastructure and subdividing lots in order to build houses on the subdivided land. Many real estate agents and brokers specialize in selling residential real estate and connecting real estate buyers with sellers. Read More...
Commercial real estate is any property that is zoned and used for business purposes or to generate profits from rentals or capital gains. Types of commercial property include industrial property, retail stores, some multi family houses, office buildings, shopping centers, warehouses and more. There is some overlap between residential and commercial property when it comes to buildings that contain a large number of units (such as apartments) that can be classified as commercial, though they are used as residences. All commercial real estate will fall under one of four categories—retail, office, industrial and multi family housing—and can be purchased through commercial real estate agents. Read More...
Banks offer a growing number of services to customers of all kinds, in order to cover the needs of people with vastly different financial needs. From the most basic savings accounts to investment services, loans, credit cards, underwriting bonds, and more there are services for individuals, organizations, companies and other large organizations. With the advent of technological advances banking has moved onto the Internet, providing people access to their accounts outside of strict banking hours and the ability to closely monitor their finances and investments. Different types of banks specialize in different services and have different advantages, like commercial banks dealing with corporate finances, offshore banks, which have low taxation and regulation, and private banks that cater to the needs of high net worth clients. Read More...