Commercial Construction Lending Opportunities Are on the Rise, Are They an Appropriate Fit for Your Institution?
මේ ලිපිය දාන්නේ ගොඩක් දෙනකුගේ ඉල්ලීම පරිදි මට නැත්නම් හදිසියක් නම් නෑ අද අපි කතාකරන්නේ වැදගත්ම මාතෘකාවක් ගැන මම ඇත්තටම ගොඩක් බාවිතා කරන්නේ මේ ක්‍රමය. අද මම ඔයලාටත් එක කියල දෙනවා මොකද තනියෙන් රජවෙන්න හොද නෑ නේද?
Back link මොනාද මේ Back link ඇයි අපට මේක වැදගත් ???? වචන ඉංග්‍රීසි වුනාට බය වෙන්න එපා හරිම සිම්පල් දැන් අපි හිතමු දැන් මේ බ්ලොග් එක ලියනවා ඒ අතරතුර මට හිතෙනවා මගේ බ්ලොග් එකක් ඔයාලට පෙන්වන්න මම කරන්නේ මේකේ ලින්ක් එකක් දානවා එතකොට ඒ ලින්ක් එක දිගේ යන අය මගේ වෙනත් බ්ලොග් එකකට යනවා
Back link වලින් කරන්නේ අන්න ඒවගේ ක්‍රියාවලියක් අපි එම වෙබ් අඩවි වලට අපේ බ්ලොග් එක ඇතුලත් කලාම අපේ බ්ලොග් එකට කට්ටිය ඇදීගෙන එනවා ව්ශේෂයෙන්ම බ්ලොග් කරන අයට මේක එත වැදගත්
සාමානයෙන් බ්ලොග් වලට Traffic අඩුයි
විමසුම් බ්ලොග් එකෙත් Back link ගැන ලිපියක් ඇති එක ගැනත් කියවන්න මම එක දැක්කෙත් දැනුයි තව ගීක් වෙබ් අඩවියේ ගොඩක් සාකච්ඡා කරලා ඇති
හොදයි වැඩි කතා නැතිව මගේ ලග තියෙන Back link Set එක දැන්නම් ඔයාල පුළුවන් තරම් හදාගෙන trffic වැඩි කරගන්න ඔයාලFace Book එකේ Click ගන්නකොට මේ ටික ප්‍රජනයට ගන්න වෙබ් එකේ URL එක Search කරන්න දෙනවට වඩා
මෙන්න මෙතනින් ගිගින් ඒවා බලන්න ඕනේ නම් භාගත කරගන්න
Commercial Real Estate Construction activity is on the rise and within such lies the potential for institutions to gain income and drive profits from participating in these activities. Before engaging or re-engaging in commercial construction lending, an institution should carefully examine several aspects of said lending activity and from such examination should be able to gain an honest and fair assessment of their respective institutions capabilities in the commercial construction lending arena.
The areas that should be examined to gain an assessment of are; regulatory - an institutions current standing as well as ones capabilities to maintaining compliance to the guidelines in this specific type of lending, expertise - in-house as well as vendors and potential participating parties, historical, and institutional risk tolerance - establishing levels of risk that are acceptable and then determining methods of implementing measures to track those risk tolerance levels.
Within CRE construction lending there are then subcategories which in themselves hold their own specific risks to be considered and these should be thoroughly evaluated before an institution engages in the CRE construction lending of these niche types of lending. Within this article we will explore several of these topics and provide the reader with some thoughtful considerations which should be evaluated when an institution is considering being active within CRE construction lending which should assist one in determining if Commercial Real Estate Construction Lending is an appropriate fit for ones institution.
Today's commercial lending environment has seen many regulatory changes and some of which specifically pertain to construction lending. Regulatory agencies now require institutions engaging in CRE construction lending to have performed a comprehensive and thorough review of an institution's critical expertise in this specialized area. This should be in conjunction with enhancements to the institution's Credit Policy and a clear "Strategic Plan" before continuing or re-engaging in any construction lending. Additionally, reductions in the levels of CRE construction/renovation/improvement loans as a percentage of capital and the loan portfolio have also been implemented.
The regulatory guidelines really set the stage for what a lender may or may not engage in and should be the first element of the evaluation which a lender should consider.
The next element to explore is the internal and external experience level of all the people involved in such projects in the past.
Questions that may assist in uncovering areas of concern internally may be:
• Was there a lack of staff experience in this type of lending that was unrecognized and thus caused inadequate underwriting and monitoring while problems were occurring?
• Were there documentation issues evident including lack of Title Insurance, inadequate monitoring of liens filed, no updated title policy, or were there weak covenants?
This may show itself to be evident by questioning if there were underwriting weaknesses related to inadequate cash equity by developer or sponsors at origination or were the developers not fully experienced with the type of project (size; cost; budget and timeframe).
It is very risky to live without health insurance. If you break your leg or have a serious illness, you could end up with massive medical bills. It is safe to have sufficient health insurance, and these tips can help you get the coverage you need for your family.
Look to catastrophic coverage instead of comprehensive coverage if you are looking for cost savings on your insurance. Catastrophic coverage only kicks in for emergency care and hospitalizations, whereas comprehensive coverages includes coverage for prescriptions and visits to the doctor.
3 comments