Portfolio Loan

A portfolio loan finances multiple properties under a single facility, offering consolidated management, potential rate benefits, and simplified administration for investors holding several units or buildings.

Loan StructureConfiguration
Single facilityOne loan, multiple properties
Cross-collateralizationAll properties secure total debt
Combined LTV60-70% typical
ManagementUnified reporting and payments
AdvantagesBenefit
Administrative efficiencySingle payment, one relationship
Rate leverageBetter terms for larger amounts
FlexibilityRotate properties in/out of portfolio
ReportingConsolidated financial statements
Example StructureDetails
Properties5 apartments, AED 10M total value
Portfolio loanAED 6.5M (65% LTV)
Interest rate5.25% (vs 5.75% individual)
Cross-collateralAll units secure entire loan


Related Terms

Cross-Collateralization Investment PropertyBulk SaleInstitutional Sale

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