Your property is valuable Why are banks unwilling to refinance it?
"Your property is valuable, but it has no cash flow. Why are banks unwilling to refinance it?" This is a question I recently heard from a business owner.
If a company has no cash flow, and the individual or corporate guarantor also has no cash flow, will a bank lend to them to buy property?
"The company has no cash flow, the individual guarantor has no income, but the property is highly valuable. Will the bank lend?"
The answer is realistic: the chances are extremely low.
Many people mistakenly believe that banks look at the property's value; in fact, banks are most concerned with whether the borrower has the ability to repay on time.
When approving loans, banks typically focus on assessing the following three factors:
First, Repayment Ability (Cash Flow)
Whether it's a company or an individual, banks will check whether they have a stable source of income. No cash flow means there is significant uncertainty about the ability to repay the loan each month in the future.
Second, Debt Service Capacity
Banks will comprehensively assess the applicant's income, bank statements, tax records, existing debts, and financial situation to confirm whether the loan is within their affordability range.
Third, Collateral
Many people believe that as long as the property has high value, the bank will definitely approve the loan. In reality, collateral is merely a means for banks to mitigate risk and cannot replace the borrower's repayment ability.
For example:
Company A has no operating income, its bank account has almost no transactions, and the person in charge has no fixed income or other sources of cash flow. Even if they want to buy a property worth millions of ringgit, the bank will most likely still reject the loan application.
Conversely, if the applicant has stable rental income, investment returns, sufficient time deposits, or can provide additional collateral, even if the company currently has weak cash flow, the chances of loan approval will be relatively higher.
Financing is never just about assets, but about overall financial strength.
Therefore, before buying commercial property, instead of rushing to find a bank, it's better to first conduct sound financial planning, establish stable cash flow, optimize the company's financial statements, and design a suitable financing structure.
Truly professional property consultants not only help clients find properties, but more importantly, they assist clients in increasing their chances of successful financing, ensuring that every investment is successfully implemented.
Because successfully buying property is not just about finding a good project, but also the result of sound financing planning.
#CommercialRealEstate #CommercialLoans #CorporateFinance #CashFlowManagement #IndustrialInvestment #RealEstateInvestment #CommercialIndustry #BankLoans #BusinessOperations
《你的产业很有价值，但是没有现金流，
银行为什么不愿意提供再融资（refinancing)？》这是我最近听到一位老板的问题。
如果一间公司没有现金流, 同时，个人或企业担保人没有现金流，银行可以贷款给他买产业吗？
“公司没有现金流，个人担保人也没有收入，但是产业价值很高，银行会不会贷款？”
答案很现实：机会非常低。
很多人误以为，银行看的是产业值多少钱；事实上，银行最关心的是借款人有没有能力按时还款。
银行审批贷款时，通常会重点评估以下三大因素：
第一，还款能力（Cash Flow）
无论是公司还是个人，银行都会查看是否拥有稳定的收入来源。没有现金流，就意味着未来每个月偿还贷款的能力存在很大的不确定性。
第二，偿债能力（Debt Service Capacity）
银行会综合评估申请人的收入、银行流水、税务记录、现有债务及财务状况，确认贷款是否在可承担范围内。
第三，抵押品（Collateral）
很多人认为，只要产业价值高，银行就一定会批准贷款。其实，抵押品只是银行降低风险的一种保障，并不能取代借款人的还款能力。
举个简单例子：
A公司没有营业收入，银行户口几乎没有交易；负责人也没有固定收入或其他现金流来源。即使想购买一项价值数百万令吉的产业，银行大多数情况下仍会拒绝贷款申请。
相反，如果申请人拥有稳定租金收入、投资收益、充足的定期存款，或能够提供额外抵押品，即使公司目前现金流较弱，贷款获批的机会也会相对提高。
融资，从来不是只看资产，而是看整体财务实力。
因此，在购买商业产业之前，与其急着寻找银行，不如先做好财务规划，建立稳定的现金流、优化企业财务报表，并设计合适的融资架构。
真正专业的产业顾问，不只是帮助客户找到产业，更重要的是协助客户提高融资成功率，让每一项投资都能顺利落地。
因为，成功买到产业，不只是找到好项目，更是做好融资规划的结果。
Comments