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A mortgage loan you obtain to purchase a property (house, condominium, commercial building, etc.). The lender provides the funds to the seller on your behalf, and you repay the loan with interest over time. These are usually annuity loans, with a fixed or variable interest rate, depending on your preference.
In Florida, construction financing runs from the start of construction to the end of construction, so it is strictly speaking interim financing. Payment is made in accordance with the contractually agreed construction phases. Commitment interest is not charged. Interest only accrues on the amount paid out. Upon completion of construction, a “mini” closing occurs, during which the final installment is paid to the construction company. This mini-closing marks the beginning of the final financing, and only then do regular interest payments for the remainder of the term take effect.
This represents a classic refinancing. In Florida, you choose this type of financing if you have an existing loan but want a better interest rate, a different term, or a completely different loan model. The new loan is paid out simultaneously with the deletion of the old mortgage.
A Lombard loan is a secured loan in which the borrower pledges valuable assets, such as securities, precious metals, etc., to the bank as collateral. This allows them to quickly obtain liquidity without having to sell their assets or mortgage the property. PTF offers this in various currencies (USD, EUR, GBP, and CHF).
These are land registry-backed financing options offered for commercial properties or residential properties with more than four residential units. These include, for example, apartment buildings and office buildings, residential complexes, shops, warehouses, etc.
Financing for companies based on their sales and profit figures, without the involvement of potential real estate or land registry security. We offer this for American subsidiaries of parent companies located in Germany.
