i need 75 gs for the construction a business
well i have an architect who is going to construct my new Beauty Salon, and i was wondering if their is a loan that can help me with the cost of the construction.

Of course you can. No lender will talk to you unless you provide them with a valid business plan. Go to http://www.sba.gov , http://www.score.org or http://www.bplan.com for sample business plans and instructions on how to write a business plan.

Then, go to http://www.score.org/ and in the upper left hand corner, enter your zip code. On the next screen, you will get information on the nearest SCORE chapter. Call them and arrange for a free meeting with a SCORE counselor to review your business plan and discuss various loan options available to you.

SCORE is a nonprofit association dedicated to entrepreneur education and the formation, growth and success of small business nationwide. SCORE is a resource partner with the U.S. Small Business Administration (SBA).

SCORE has 389 chapters in locations throughout the United States and its territories, with 10,500 volunteers nationwide. Both working and retired executives and business owners donate time and expertise as business counselors.

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http://www.lendinguniverse.com/borrowersconstructionloan.asp poor credit construction loans the paper money in circulation consists of “fossils”-paper money issued for one reason or another in the past. These include U.S. Notes (the Civil War “greenbacks”), Treasury Notes of 1890, National Bank Notes, and Federal Reserve Bank Notes (as distinguished from Federal Reserve Notes). The long-familiar one-dollar silver certificates have been replaced by Federal Reserve Notes. The same thing holds true for deposits in savings banks and savingsand-loan shares. Nonetheless, time and savings deposits in commercial banks, deposits in mutual savings banks, and savings-and-loan shares are regarded by their holders as almost the same thing as money, because they can be quickly and cheaply changed for money. The claims just mentioned, along with some others such as short-term U.S. Treasury securities and U.S. Savings Bonds, are frequently called “near monies” or “money substitutes.” In England, goldsmiths became predominant in the banking business, and it was the English goldsmiths who led the way in the development of bank-note currency. The English goldsmiths accepted deposits-with a promise to pay on demand-and then lent most of what they received. They gave interest-bearing receipts and permitted the holders to transfer ownership of deposits by endorsing these receipts. Presently, to make endorsements unnecessary, the receipts were made payable to the bearer. Then, because it was so convenient to make payments by giving goldsmiths’ receipts, customers became willing to take non-interest-bearing receipts. As a final step, the receipts were issued in round numbers and engraved on standard forms. These were bank notes, the earliest form of paper money.
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Im a home owner and want to do major consturction and need information on construction loans

Used primarily by the builder and is given in draws.

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http://www.lendinguniverse.com/borrowersconstructionloan.asp fha construction loan Money is essentially a device to permit people to exchange goods and services in a more convenient way than by direct barter. A moment’s thought will convince you how difficult it would be to conduct an industrial economy by means of direct exchange of goods and services for other goods and services. In a simple agricultural society each family may produce most of what it needs and little of what it does not need. A farmer can exchange small surpluses of food crops, or wood, or wool for the products of specialized artisans such as blacksmiths. The few specialists can re-exchange some of the things they take in trade. But that system works only when most families are almost self-sufficient. In a society where each person spends all his time producing one thing, or a part of one thing, almost everything produced must be sold; and many things are sold several times before they reach the final consumer. In western European monarchies, the story was much the same. Henry VIII was known as “old coppernose,” because the silver on his coins wore off quickly, revealing the copper below. And while governments systematically debased the coinage, free enterprise did its bit. People clipped coins or shook them up in bags to collect the abraded gold scrapings. When monarchs made two coins out of one by mixing precious metals with base metals, they did it to finance their expenditures-to fight wars, keep up lavish courts, or build monuments. Currency debasement led to rising prices, not because the coins contained less gold but because more of them were struck and they were spent for goods and services. Prices had to rise because expenditures rose faster than the potential output of the economy. Coinage debasement wasn’t the only cause of inflation. There was widespread inflation in Europe during the sixteenth century after the discovery . of gold and silver mines in the Spanish possessions in America. Again prices went up because more coins were struck and they were spent ‘rapidly.
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My brother wants to get a construction loan to build his own house.

he has the land picked out and a purchase aggrement from the land owner and his boss (a builder) is going to sign off as the builder for the loan.

He has his blue prints and his cost estimate ready.

My ? is what else do we need? before we go to the bank?
does anyone know of a bank that does construction loans with the purchase of the land too!

Any advice/help would be Great!!!

First the bank, whoever you go with is going to want to see you bring someting to the table. Depending on his credit scores and income will be a determining factor in what down payment they want to see.

2nd- If he owns a home now, he does not have to sell it before beginning construction. There are loans available that you basically do not make a payment on the loan until the construction is complete and the loan is converted to your long term financing. We actually have a lender that does a 3 n 1. Aqcuisition for the land, $ for the construction & then converts to permanent financing upon completion.

3rd-as long as you have someone experienced on your team, it can be an owner builder project.

If you have any additional question you can visit our construction loan Q&A – it covers length of time, etc.

www.aimwithfocus.com/construction_loan.html

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http://www.lendinguniverse.com/borrowersconstructionloan.asp construction loans bad credit Money is one of man’s greatest inventions. Try to imagine the operation of a complex industrial society-especially a democratic one-without money. That almost all but the simplest human societies have used money proves that it is an essential tool of civilization. But useful though it may be, money has always been a problem. Inflations and depressions have been among the most serious upheavals of industrial societies-and defects in our monetary arrangements have played an important part in every major inflation and in every major recession we have suffered. In their efforts to repair the apparent defects in their monetary arrangements, governments have erected elaborate systems to control the issue of currency and the operation of banks. Moreover, the victims of inflations, deflations, devaluations, and financial panics have understood that their troubles were in some way connected with the monetary system, but not exactly how. As a result, monetary disputes become disputes over articles of ideological faith. To most people “sound money” has the same standing as home and mother. But exactly which monetary policy is the “sound” one is not so well-agreed. And on the fringes of the debate there are always a few monetary cranks-the faith-healers of economics -who have found the one monetary system which will solve all I ‘ the world’s problems. Money is one of those things that we take for granted because it is difficult to imagine life without it. And it is so difficult for a complex society to exist without money that the breakdown of one monetary system is immediately followed by the development of a new one.
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http://www.lendinguniverse.com/borrowersconstructionloan.asp business construction loan There are three major types of money used in the United States today-coins, paper money, and checking deposits. Until about 300 years ago metal coins were the only kind of money in use. But in the United States, and almost everywhere else today, coins are only small change. In the U.S. in 1970 there were $6 billion worth of coins in use, compared with $52 billion worth of paper money in circulation and bank checking accounts amounting to $163 billion. We consider demand deposits to be money because they can be used to pay for goods and services by means of checks. Commercial banks have other deposit liabilities called time deposits or savings deposits which differ from demand deposits only in the fact that they cannot be transferred by check. If you have a savings account and want to buy something, you have to present your pass book at your bank, withdraw currency, and then pay cash for what you buy. You cannot pay for anything with a savings deposit. the paper money in circulation consists of “fossils”-paper money issued for one reason or another in the past. These include U.S. Notes (the Civil War “greenbacks”), Treasury Notes of 1890, National Bank Notes, and Federal Reserve Bank Notes (as distinguished from Federal Reserve Notes). The long-familiar one-dollar silver certificates have been replaced by Federal Reserve Notes.
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My credit union has great rates, but doesn’t offer construction loans. Any suggestions on a competitive place to go for this?
I’m in Indiana…thanks.

As a Real Estate Agent, I work with many lenders and have answered this question before. I’m not sure which state you live in, but sometimes (hard to believe, I know) banks will not only have competitive rates but also more program options.

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We plan to use a home equity loan to rebuild our studio, putting the loan money in a separate bank account and using that account solely for "construction costs" to ensure the interest remains tax-deductible.

Question 1: We’re paying an architect to design the building and we have to pay the city a permit fee to review and approve the design. Are these two fees considered part of the "construction costs" of a building so we can use the loan to pay these without worrying about the IRS coming after us?

Question 2: Given this scenario, would it be wiser to use a Home Equity Line of Credit so we only borrow what we need when we need it? My concern (as always) is variable interest rates on the lines of credit, so I’d get a lower interest rate today, but it might be higher next year.

Thanks!

Joe

yes, of course., these are legitimate costs and can be put into the taxable basis of your house. I wouldn’t go for a variable loan in this economy. Rates are on their way up, maybe way….. up. Go for a fixed rate conventional mortgage of no more than 30 years.

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TDECU VP of Mortgage Lending Loretta Williams discusses TDECU home construction loans.

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