SmithREServices - Sacramento Commercial Real Estate & Investors Guide » Does the Fed’s Rate Cut Affect Commercial Loans?

Does the Fed’s Rate Cut Affect Commercial Loans?

01.25.2008

Blog Interest rates Last Tuesday, the buzz about the .75% cut in the Fed’s rate (also called the prime) started. People got on the phone to their mortgage lenders asking if now the time to refinance their home loan is. As a result, there is a lot of information about what that rate cut means to residential loans. However, I’ve seen nothing about what the cut in the prime means to commercial loans, especially not in simple terms.

So, I asked Dan Conrad of Smith Craine Finance the question and he answered me very simply and concisely. Here is the answer.

The Fed’s cut doesn’t mean much to commercial loans because most commercial loans are fixed rate loans. The only people who may be affected are those with adjustable loans that are coming up for negotiation in the 6–12 months.

The thing is that when those loans come up for negotiation, many of these commercial borrowers will expect their rate to go down because of the “Feds” cut. In reality, there was actually a spike up in interest rates yesterday, so it does not follow that a cut in the prime causes interest rates to go down.

If you want to see a better correlation for interest rates, look to the bond market because mortgages are packaged together with other loans and sold on the secondary market which is the bond market. So, in very basic terms, the bond market determines the interest rate.

The next question is obvious, namely, What makes the bond market rates fluctuate? Simply, disasters. The more disasters there are, the lower mortgages should go.

Now, there is a distant relationship between the prime and the bond market. The bond market trails the prime typically by 6 months or more. That’s why commercial borrowers with a commercial loan coming up for negotiation within the next 6–12 months could feel a result of this cut in the prime.

What does this mean to an investor? The usual. When you find a deal that meets your objectives, work with a qualified investment real estate broker and buy it. Use the tools that a professional like me can provide to help insure that your next real estate investment is a good one.

This entry was posted on Friday, January 25th, 2008 at 4:41 pm and is filed under Investments, Commercial Real Estate. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

1413 Responses to “Does the Fed’s Rate Cut Affect Commercial Loans?”

Does the Fed’s Rate Cut Affect Commercial Loans? | Loan Refinance Says:
January 25th, 2008 at 7:16 pm
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There’s always a buyer for commercial real estate in any market (even if it looks like a ‘dog with fleas’). CCA is a wonderful thing no matter what the market is doing OR what the interest rest rates are ;-)… someone always seems to be in need of a little depreciation to write off.

Best,

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