{"id":6245,"date":"2017-07-07T15:36:12","date_gmt":"2017-07-07T22:36:12","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/\/?p=6245"},"modified":"2021-05-10T20:29:40","modified_gmt":"2021-05-11T03:29:40","slug":"hotel-refinancing-loans-and-the-advantages-of-the-sba-504","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/hotel-refinancing-loans-and-the-advantages-of-the-sba-504\/","title":{"rendered":"Pr\u00e9stamos para refinanciamiento de hoteles y las ventajas de la SBA 504"},"content":{"rendered":"

\"\"<\/a><\/p>\n

Si usted es propietario de un hotel que enfrenta hipotecas con altos intereses, pagos globales inminentes o simplemente desea expandir su negocio hacia algo m\u00e1s sostenible y lucrativo, la refinanciaci\u00f3n es una opci\u00f3n que debe explorar. Hay varios pr\u00e9stamos de refinanciamiento dirigidos a la industria hotelera, pero la opci\u00f3n m\u00e1s importante podr\u00eda ser el pr\u00e9stamo de refinanciamiento SBA 504. <\/span><\/p>\n

El 504 ofrece tasas bajas y fijas para pr\u00e9stamos totalmente amortizados con pagos mensuales bajos en t\u00e9rminos de 10 o 20 a\u00f1os, as\u00ed como una opci\u00f3n de retiro de efectivo. Esto ofrece oportunidades adicionales para los propietarios de hoteles que deseen expandirse mediante nuevas construcciones o compras.<\/span><\/p>\n

Lo que ofrece un pr\u00e9stamo 504 de la SBA a los hoteleros <\/b><\/p>\n

Los propietarios de hoteles pueden encontrar una mejor tasa de financiamiento y obtener fondos para el desarrollo a trav\u00e9s del pr\u00e9stamo de refinanciamiento 504. De manera similar al pr\u00e9stamo 504 est\u00e1ndar, el pr\u00e9stamo de refinanciamiento 504 est\u00e1 estructurado en asociaci\u00f3n con un banco convencional. Los prestatarios pueden refinanciar hasta 90% del valor de tasaci\u00f3n actual de la propiedad. Si los gastos comerciales se refinancian junto con la propiedad, se puede refinanciar un m\u00e1ximo de 85% de la deuda. <\/span><\/p>\n

Los prestatarios tienen la opci\u00f3n de "cobrar" una parte del pr\u00e9stamo de refinanciamiento: recibir una suma en efectivo equivalente a hasta 25% del valor de la propiedad. Esto significa que si el pr\u00e9stamo de refinanciamiento 504 excede el monto adeudado en los pr\u00e9stamos iniciales, la diferencia en efectivo se puede usar para gastos comerciales acumulados durante los pr\u00f3ximos 18 meses.<\/span><\/p>\n

\u201cObtener un pr\u00e9stamo de refinanciamiento 504 signific\u00f3 pagos mensuales fijos m\u00e1s bajos y capital fresco para reinvertir en operaciones. Fue una decisi\u00f3n que solo tuvo ventajas para nosotros \u201d, dijo John Della Pinna de Sierra Hotel Group. \u00a0<\/span><\/p>\n

Obtener un pr\u00e9stamo de refinanciamiento 504 de la SBA<\/b><\/p>\n

Dado que los requisitos de elegibilidad para el pr\u00e9stamo de refinanciamiento 504 son los mismos que los del 504 est\u00e1ndar, la mayor\u00eda de las empresas califican para este. El l\u00edmite de la parte de la deuda refinanciada a trav\u00e9s de la Compa\u00f1\u00eda de Desarrollo Certificada (CDC) sigue siendo $5 millones o 40% del paquete total y el banco asociado ofrece 50%. El refinanciador proporciona una garant\u00eda de 10% para el pr\u00e9stamo (15% si los gastos se refinancian junto con los activos fijos). Esta cantidad a menudo est\u00e1 cubierta por la propiedad en s\u00ed, pero se pueden usar otros activos si es necesario.<\/span><\/p>\n

Solo hay algunas casillas adicionales para marcar si est\u00e1 solicitando un pr\u00e9stamo de refinanciamiento. Por ejemplo, la deuda a refinanciar tiene que ser de al menos dos a\u00f1os y los pagos de la deuda no pueden tener m\u00e1s de 30 d\u00edas de retraso en los \u00faltimos 12 meses. Aunque los pr\u00e9stamos respaldados por el gobierno no son elegibles para el programa de refinanciamiento 504, la buena noticia es que los pr\u00e9stamos respaldados por el gobierno que fueron refinanciados en pr\u00e9stamos convencionales tambi\u00e9n son elegibles para el refinanciamiento 504.<\/span><\/p>\n

Encontrar un buen CDC lo ayudar\u00e1 a aprovechar las oportunidades que brinda un pr\u00e9stamo de refinanciamiento 504 y lo guiar\u00e1 a trav\u00e9s del proceso de solicitud. <\/span>Financiamiento TMC<\/span><\/a> es un prestamista certificado por la SBA Premier y un proveedor de pr\u00e9stamos de gran volumen que ha estado ayudando a los propietarios de negocios durante 35 a\u00f1os. Nuestros expertos pueden identificar las mejores opciones de refinanciamiento y personalizar una propuesta de refinanciamiento para propiedades individuales. <\/span>Comun\u00edquese con un experto en pr\u00e9stamos de TMC<\/span><\/a> para obtener m\u00e1s informaci\u00f3n sobre el refinanciamiento 504 y las opciones que le brindar\u00e1.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

There are a number of refinancing loans geared toward the hospitality industry, but the most substantial option could be the SBA 504 refinance loan. F<\/span>inding a good CDC will help you take advantage of the opportunities a 504 refinance loan provides \u00a0and guide you through the application process. <\/span><\/p>","protected":false},"author":19,"featured_media":6246,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,25,90],"tags":[],"class_list":["post-6245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-news-updates","category-sba"],"acf":{"related_posts":null},"yoast_head":"\nHotel Refinancing Loans and the Advantages of the SBA 504<\/title>\n<meta name=\"description\" content=\"Hotel owners can find a great financing rates and obtain funds for development through the 504 refinance loan. 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