Commercial mortgage
Commercial mortgages in Switzerland: strategic financing leverage with Prestaflex Fribourg
In Switzerland, the commercial mortgage is an essential financing solution for companies wishing to acquire, refinance or add value to their professional real estate. Whether you own an office building, a hotel, a medical center or a retail outlet, Prestaflex Fribourg can help you structure your commercial mortgage to maximize your real estate capital.
What is a commercial mortgage?
A commercial mortgage is a loan secured on real estate used for business purposes. It enables companies to obtain liquidity in exchange for pledging their real estate as collateral. This type of financing is particularly suited to real estate investors, SMEs, large corporations and self-employed professionals looking to optimize their real estate assets.
Why opt for a commercial mortgage in Switzerland?
1. Optimize cash flow
Commercial mortgages enable you to obtain funds without selling your assets, thus guaranteeing better financial management and efficient allocation of resources.
2. Attractive interest rates
Commercial mortgages generally offer competitive interest rates compared with conventional business loans, facilitating access to long-term financing.
3. Flexible loan term
Commercial mortgages can be taken out for terms ranging from 5 to 30 years, depending on the nature of the asset and the company's financial strategy.
4. Tax deductions
In Switzerland, mortgage interest is tax-deductible, which can reduce the company's overall tax bill.
Practical examples of commercial mortgages in Switzerland
1. Luxury hotel in Montreux
A hotel owner wishes to finance renovation work to modernize his infrastructure. With a commercial mortgage, he obtains the necessary funds while retaining ownership of his property.
2. Medical center in Geneva
A medical group wanted to acquire a new building to house a medical center. By opting for a commercial mortgage, they secure long-term financing at an attractive rate.
3. SME in Lausanne
A technology company owning a building wants to free up cash to invest in its development. By mortgaging its offices, it obtains financing without resorting to a traditional business loan.
Frequently asked questions
1. Who can benefit from a commercial mortgage?
Any company owning real estate can apply for a commercial mortgage, including SMEs, large corporations, real estate investors and the self-employed.
2. What's the difference between a commercial mortgage and a residential mortgage?
Commercial mortgages apply to property used for business or rental purposes, while residential mortgages apply to property used as a personal residence.
3. What are the criteria for obtaining a commercial mortgage?
Banks and financial institutions evaluate a number of factors, including
- Property value
- The company's repayment capacity
- Financial stability and business model
- Income generated by the mortgaged property
4. How can Prestaflex Fribourg help me?
We support you every step of the way:
- ✨ Assessment and personalized analysis of your situation
- 📊 Selection of the best financing options
- 📝 Assembling the file and presenting it to financial institutions
- 🚀 Tax optimization and risk management
Strategic leverage with Prestaflex
Commercial mortgages are a key solution for financing and optimizing the real estate assets of Swiss companies. Prestaflex Fribourg offers you cutting-edge expertise and solutions tailored to your needs to help you maximize your real estate capital while preserving your financial stability.
✉ Contact us today for a personalized analysis and find out how you can make the most of your business assets with a commercial mortgage.
