{"id":5983,"date":"2017-05-19T14:33:11","date_gmt":"2017-05-19T21:33:11","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/\/?p=5983"},"modified":"2021-05-10T20:29:38","modified_gmt":"2021-05-11T03:29:38","slug":"refinancing-commercial-real-estate-loan-sba-504-loan","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/refinancing-commercial-real-estate-loan-sba-504-loan\/","title":{"rendered":"Refinanciamiento de su pr\u00e9stamo de bienes ra\u00edces comerciales con un pr\u00e9stamo 504 de la SBA"},"content":{"rendered":"<p><a href=\"https:\/\/www.tmcfinancing.com\/\/wp-content\/uploads\/2017\/05\/TMC-2.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-5985 aligncenter\" src=\"https:\/\/www.tmcfinancing.com\/\/wp-content\/uploads\/2017\/05\/TMC-2-1024x383.jpg\" alt=\"\" width=\"1024\" height=\"383\" srcset=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/05\/TMC-2-1024x383.jpg 1024w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/05\/TMC-2-300x112.jpg 300w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/05\/TMC-2-768x288.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Si es propietario de un negocio, debe evaluar sus necesidades cuidadosamente antes de buscar un refinanciamiento, de modo que pueda apuntar a una estructura que sea adecuada para usted. \u00bfEs necesaria una opci\u00f3n de retiro de efectivo? \u00bfCambiar de una tasa variable a una fija proporcionar\u00e1 un futuro financiero m\u00e1s estable? \u00bfSe avecina un pago global en el horizonte? Responder y priorizar estas preguntas enfocar\u00e1 su b\u00fasqueda y lo ayudar\u00e1 a comprender el tama\u00f1o y las condiciones del pr\u00e9stamo que necesita. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">El pr\u00e9stamo de refinanciamiento 504 de la Asociaci\u00f3n de Peque\u00f1as Empresas se puede adaptar a una variedad de necesidades. Los due\u00f1os de negocios que enfrentan hipotecas con altos intereses o pr\u00f3ximos pagos globales pueden beneficiarse enormemente de esta oportunidad para aliviar su carga financiera. Adem\u00e1s, aquellos que obtuvieron pr\u00e9stamos antes de 2008 pueden encontrar que los requisitos cambiantes han dificultado el refinanciamiento. En particular, es posible que no encuentren f\u00e1cilmente el volumen de cr\u00e9ditos que necesitan. En este sentido, la generosa suscripci\u00f3n de la SBA y los largos t\u00e9rminos del pr\u00e9stamo de refinanciamiento 504 parecen especialmente atractivos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El proceso puede parecer complicado si lo aborda usted mismo, ya que requiere tanto una comprensi\u00f3n de c\u00f3mo funciona el pr\u00e9stamo de refinanciamiento 504 como una comprensi\u00f3n s\u00f3lida de lo que necesita para comenzar. Sin embargo, con una Compa\u00f1\u00eda de Desarrollo Certificada (CDC) con experiencia para guiarlo a trav\u00e9s del proceso, todos los due\u00f1os de negocios deben sentirse capacitados para seguir esta opci\u00f3n. <\/span><\/p>\n<p><b>C\u00f3mo funciona el pr\u00e9stamo de refinanciamiento 504<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Un pr\u00e9stamo de refinanciamiento 504 se establece de la misma manera que el 504 est\u00e1ndar: ofrece tasas bajas y fijas para pr\u00e9stamos con plazos de 10 o 20 a\u00f1os que est\u00e1n totalmente amortizados. A mayo de 2017, las tarifas son 4.66% por 20 a\u00f1os y 4.49% por 10 a\u00f1os. Un banco comercial proporciona un primer pr\u00e9stamo hipotecario y la SBA a trav\u00e9s de un CDC proporciona una segunda hipoteca hasta 90%. Como prestatario, tendr\u00e1 que aportar al menos 10% de capital como anticipo, que a menudo est\u00e1 cubierto por el capital de la propiedad misma. Si eso no es posible, se puede utilizar efectivo u otros activos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Puede refinanciar hasta 90% del valor de tasaci\u00f3n actual de la propiedad. Si los gastos comerciales elegibles se refinancian junto con la propiedad, la proporci\u00f3n m\u00e1xima es 85%. Otra opci\u00f3n disponible es retirar hasta 25% del valor de la propiedad. En otras palabras, es posible que pueda usar hasta 25% del valor del edificio para gastos comerciales, como costos operativos, salarios de empleados e inventario.<\/span><\/p>\n<p><b>\u00bfEs elegible para un pr\u00e9stamo de refinanciamiento 504? <\/b><\/p>\n<p><span style=\"font-weight: 400;\">Dado que los requisitos de elegibilidad son los mismos que para el pr\u00e9stamo 504 est\u00e1ndar, la mayor\u00eda de las propiedades ocupadas por el propietario califican para un pr\u00e9stamo de refinanciamiento 504. Sin embargo, si desea iniciar el proceso de solicitud por su cuenta, hay algunos requisitos b\u00e1sicos que debe tener en cuenta.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por ejemplo, al menos 85% del pr\u00e9stamo o pr\u00e9stamos iniciales deben haberse utilizado para prop\u00f3sitos elegibles para 504, y los pr\u00e9stamos deben tener al menos dos a\u00f1os de antig\u00fcedad. Si ha tenido rondas anteriores de refinanciamiento, los \u00faltimos pr\u00e9stamos deben tener al menos dos a\u00f1os. Tenga en cuenta tambi\u00e9n que los pr\u00e9stamos iniciales no pueden tener garant\u00eda del gobierno. No puede refinanciar pr\u00e9stamos de la SBA (o pr\u00e9stamos del USDA) con un pr\u00e9stamo de la SBA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si todo esto parece un poco confuso, no se preocupe. A\u00fan puede beneficiarse de los ahorros que ofrece el pr\u00e9stamo de refinanciamiento 504 sin el estr\u00e9s de navegar por todo esto usted mismo. Existen Compa\u00f1\u00edas de Desarrollo Certificadas (CDC) que pueden ayudarlo a aprovechar esta oportunidad y guiarlo desde la precalificaci\u00f3n hasta el pago final. <\/span><\/p>\n<p><a href=\"https:\/\/www.tmcfinancing.com\/es\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Financiamiento TMC<\/span><\/a><span style=\"font-weight: 400;\"> es un prestamista certificado Premier de la SBA y un proveedor de pr\u00e9stamos de gran volumen, y ha estado ayudando a los propietarios de negocios durante 35 a\u00f1os. Ya sea que est\u00e9 bien versado en pr\u00e9stamos comerciales o simplemente est\u00e9 aprendiendo sobre la posibilidad de ayuda adicional, <\/span><a href=\"https:\/\/www.tmcfinancing.com\/es\/contact\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">comun\u00edquese con un experto en pr\u00e9stamos de TMC<\/span><\/a><span style=\"font-weight: 400;\"> para obtener m\u00e1s informaci\u00f3n sobre el refinanciamiento 504 y recibir una propuesta de refinanciamiento personalizada para su propiedad.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>If you are a business owner, you should assess your needs carefully before seeking refinancing, so that you can target a structure that\u2019s right for you. Is a cash-out option&#8230;<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,178],"tags":[],"class_list":["post-5983","post","type-post","status-publish","format-standard","hentry","category-education","category-sba-101"],"acf":{"related_posts":null},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Refinancing Your Commercial Real Estate Loan With an SBA 504 Loan | TMC Financing<\/title>\n<meta name=\"description\" content=\"A 504 refinance loan is set up in the same way as the standard 504: It offers low, fixed rates on loans with 10 - or 20-year terms that are fully amortized.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tmcfinancing.com\/es\/refinancing-commercial-real-estate-loan-sba-504-loan\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinancing Your Commercial Real Estate Loan With an SBA 504 Loan\" \/>\n<meta property=\"og:description\" content=\"A 504 refinance loan is set up in the same way as the standard 504: It offers low, fixed rates on loans with 10 - 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TMC es una empresa de desarrollo certificada que proporciona financiaci\u00f3n de bienes ra\u00edces comerciales a propietarios de peque\u00f1as empresas a trav\u00e9s del Programa de pr\u00e9stamos 504 de la SBA. TMC se ubica constantemente entre las principales empresas de desarrollo certificadas a nivel nacional y ha financiado proyectos por valor de m\u00e1s de $9 mil millones en California y Nevada. Cerca de 5.000 peque\u00f1as empresas se han beneficiado de este financiamiento, lo que ha dado lugar a la creaci\u00f3n de unos 50.000 puestos de trabajo. TMC es tambi\u00e9n el prestamista hotelero n\u00famero 1 de la SBA 504 en los Estados Unidos. Barbara tambi\u00e9n es la fundadora de Working Solutions, un microcr\u00e9dito del \u00c1rea de la Bah\u00eda cuya misi\u00f3n es proporcionar a los microempresarios, en particular a las personas de bajos ingresos, las mujeres y las minor\u00edas, el acceso al capital y los recursos que necesitan para iniciar un negocio exitoso.","url":"https:\/\/www.tmcfinancing.com\/es\/author\/barbara-morrison\/"}]}},"_links":{"self":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/posts\/5983","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/comments?post=5983"}],"version-history":[{"count":0,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/posts\/5983\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/media?parent=5983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/categories?post=5983"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/tags?post=5983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}