{"id":9829,"date":"2018-10-18T10:24:53","date_gmt":"2018-10-18T17:24:53","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=9829"},"modified":"2021-05-10T20:30:24","modified_gmt":"2021-05-11T03:30:24","slug":"buy-building-with-sba-loan","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/buy-building-with-sba-loan\/","title":{"rendered":"Compre un edificio con un pr\u00e9stamo de la SBA para obtener la mejor oferta"},"content":{"rendered":"<p>El pr\u00e9stamo 504 de la SBA est\u00e1 dise\u00f1ado espec\u00edficamente para ayudar a las peque\u00f1as empresas a comprar, construir o mejorar edificios comerciales. Tambi\u00e9n se puede utilizar para comprar equipos o maquinaria con una vida \u00fatil de al menos 10 a\u00f1os.<\/p>\n<p>El Programa de Pr\u00e9stamos 504 es el programa insignia de la SBA. Fue creado para que los propietarios de peque\u00f1as empresas pudieran comprar un edificio para su negocio, d\u00e1ndose cuenta de que el crecimiento de las peque\u00f1as empresas es lo que, en \u00faltima instancia, impulsa nuestra econom\u00eda. Muchos propietarios de peque\u00f1as empresas no se dan cuenta de que comprar un edificio est\u00e1 a su alcance, \u00a1pero con este programa lo est\u00e1!<\/p>\n<h2>Ventajas clave del pr\u00e9stamo 504 de la SBA<\/h2>\n<ul>\n<li><strong><span style=\"color: #003e7e;\">Pago inicial bajo<\/span><\/strong> - Los propietarios de peque\u00f1as empresas pueden comprar un edificio con tan solo un 10 por ciento de anticipo. Ciertas circunstancias, como la participaci\u00f3n de un <a href=\"https:\/\/www.tmcfinancing.com\/es\/financing-special-purpose-properties\/\">propiedad de un solo uso<\/a> o si el negocio tiene menos de dos a\u00f1os, puede requerir un pago inicial de 15%. En cualquier caso, el pago inicial es considerablemente menor que el de un pr\u00e9stamo convencional, que puede llegar hasta 40%. Este bajo pago inicial permite a las peque\u00f1as empresas conservar su efectivo.<\/li>\n<li><strong><span style=\"color: #003e7e;\">Por debajo del mercado, tasa de inter\u00e9s FIJA<\/span><\/strong> - El pr\u00e9stamo 504 de la SBA le permite fijar una tasa por debajo del mercado. La tasa SBA 504 ha estado por debajo de 5.5% durante los \u00faltimos cuatro a\u00f1os. En nuestro clima actual de rentas en aumento, esto le da la tranquilidad de saber que su tasa no fluctuar\u00e1 debido a las condiciones de los pr\u00e9stamos. Usted sabe que sus costos de ocupaci\u00f3n no aumentar\u00e1n, lo que le permitir\u00e1 concentrarse en su negocio y planificar el futuro.<\/li>\n<li><span style=\"color: #003e7e;\"><strong>Plazo de amortizaci\u00f3n largo<\/strong><\/span> - El Pr\u00e9stamo 504 est\u00e1 totalmente amortizado para pr\u00e9stamos inmobiliarios durante 25 a\u00f1os, lo que hace que los pagos del pr\u00e9stamo sean m\u00e1s asequibles y mejoran el flujo de caja mensual.<\/li>\n<li><span style=\"color: #003e7e;\"><strong>\u00a1Sin pagos globales!<\/strong> <\/span>Los pagos globales significan que tendr\u00e1 que pagar una gran suma al final del plazo de su pr\u00e9stamo O refinanciar su pr\u00e9stamo. Este dolor de cabeza se est\u00e1 evitando con el pr\u00e9stamo 504.<\/li>\n<li><strong><span style=\"color: #003e7e;\">No se requiere garant\u00eda adicional.<\/span><\/strong> La \u00fanica garant\u00eda que necesita es el activo que est\u00e1 adquiriendo.<\/li>\n<\/ul>\n<p>Uno de los mejores aspectos del programa de pr\u00e9stamos 504 es que la mayor\u00eda de las peque\u00f1as empresas <a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-eligibility\/\">elegible<\/a>! Su negocio debe tener fines de lucro y debe ocupar al menos el 51 por ciento del edificio. Si est\u00e1 financiando la construcci\u00f3n de un edificio nuevo, debe ocupar al menos el 60 por ciento del edificio.<\/p>\n<h2>Considere los beneficios de poseer<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-9838 size-large\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/10\/Point-Lease-or-Buy-1024x567.png\" alt=\"\" width=\"1024\" height=\"567\" srcset=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/10\/Point-Lease-or-Buy-1024x567.png 1024w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/10\/Point-Lease-or-Buy-300x166.png 300w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/10\/Point-Lease-or-Buy-768x425.png 768w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/10\/Point-Lease-or-Buy-400x221.png 400w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/10\/Point-Lease-or-Buy-1536x850.png 1536w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/10\/Point-Lease-or-Buy-2048x1133.png 2048w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/10\/Point-Lease-or-Buy-16x9.png 16w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>Comprar un edificio es una de las mejores decisiones que puede tomar para usted y su negocio, y utilizar un pr\u00e9stamo de la SBA para hacerlo le ofrecer\u00e1 la mejor oferta. Si tiene que emitir un cheque de alquiler cada mes, \u00bfno preferir\u00eda hacerlo usted mismo? Invertir en bienes ra\u00edces lo beneficia a usted y a su futuro, en lugar de ayudar al propietario con sus pagos mensuales.<\/p>\n<p>Aparte de la mano de obra, los costos de ocupaci\u00f3n son el mayor gasto del propietario de una empresa. En muchas comunidades, las tasas de arrendamiento han aumentado un 30, 50 o incluso un 75 por ciento durante los \u00faltimos cinco a\u00f1os. Ser propietario de un edificio es la mejor manera de estabilizar esos costos, darle el control y darle un poco de tranquilidad. Al fijar una tasa fija baja, usted conoce su costo de ocupaci\u00f3n durante la vigencia del pr\u00e9stamo. Esto permite la estabilidad y la capacidad de planificar con precisi\u00f3n el futuro.<\/p>\n<p>Comprar un edificio ahora puede financiar su jubilaci\u00f3n m\u00e1s adelante. Al ser due\u00f1o de su edificio, tiene un activo con un valor m\u00e1s all\u00e1 de su negocio. Cuando se jubile, podr\u00e1 seguir alquilando el edificio y utilizar los pagos como fuente de ingresos. Tambi\u00e9n puede vender el edificio por unos buenos ahorros.<\/p>\n<p>Adem\u00e1s de bloquear sus costos de ocupaci\u00f3n a largo plazo, ser propietario de su edificio le brindar\u00e1 beneficios fiscales, apreciaci\u00f3n.<\/p>\n<p>Para obtener m\u00e1s informaci\u00f3n sobre ser propietario o arrendar, consulte <a href=\"https:\/\/www.tmcfinancing.com\/es\/lease-vs-own-building\/\">nuestra comparaci\u00f3n<\/a>.<\/p>\n<p>Si tiene alguna pregunta sobre la compra de un edificio con un pr\u00e9stamo de la SBA: <a href=\"https:\/\/www.tmcfinancing.com\/es\/contact\/\">Cont\u00e1ctenos<\/a> para una consulta gratuita. Tambi\u00e9n podemos precalificarlo dentro de las 48 horas con solo unos pocos documentos.<\/p>","protected":false},"excerpt":{"rendered":"<p>The SBA 504 loan is specifically designed to help small businesses buy, construct or improve commercial buildings. It can also be used to buy equipment or machinery with a useful&#8230;<\/p>","protected":false},"author":12,"featured_media":9838,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,25,90,178],"tags":[327,337,364,336,369,321],"class_list":["post-9829","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-news-updates","category-sba","category-sba-101","tag-business","tag-sba-504","tag-sba-financing","tag-sba-lending","tag-small-business","tag-small-businesses"],"acf":{"related_posts":null},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Buy a Building with an SBA Loan for the Best Deal | TMC Financing<\/title>\n<meta name=\"description\" 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