If you are looking for financing to expand your current facility, acquire investment property, build a new office, residence or warehouse, Cathay Bank provides a broad range of commercial real estate financing programs tailored to meet your varying needs.

At Cathay Bank, we offer a full spectrum of short and long term loans at competitive fixed or variable rates for most types of commercial real estate projects. Our fixed-rate loan is tied to the U.S. Treasury Bills for permanent financing projects. Our variable-rate loan is tied to the Wall Street Journal Prime Rate or Cathay Bank Reference Rate plus a margin.

As a direct lender, our experienced real estate specialists are committed to guiding you through every phase of a project - from customizing your loan package to helping you evaluate future growth opportunities when the project is completed.

Currently, the Bank is actively building relationships with developers, investors and homebuilders throughout California, Texas, Nevada, Massachusetts, Washington and New York. The Bank's flexible underwriting guideline has earned its premier reputation in the local real estate industry. As such, our diversified client base continues to grow every year.

In addition to our conventional real estate financing, the Bank also acts as an agent bank or a participating bank for a loan syndication in which the project financing is over our legal lending limit or out of our service area.

To help you better understand our commercial real estate financing options, below is the major summary of its lending program.

Type of Financing	Property refinancing Property purchase New construction Construction with mini-permanent financing Build-to-suits construction
Type of Real Estate Project	Owner occupied single family residence Planned unit development (PUD), tract house, townhouse, condominiums, etc. Apartment complexes Retail centers Light industrial warehouses Office buildings Mixed-use projects Hotels/motels Franchise/national chained restaurant buildings
Terms	The maximum loan maturities vary depending on the use of proceeds. Construction financing - Variable-rate loan with maturities from 12 - 18 months Mini-permanent financing - Variable-rate or fixed-rate loan with maturities from 5 - 10 years with 15 - 25 years amortization.