What is an operating property loan?

1. What is an operating property loan?

Mortgage loan for operating property refers to the loan issued by the bank to the legal person of operating property, and its own sources include but not limited to the operating income of operating property.

Operating property refers to the commercial premises and office buildings that have been completed and put into commercial operation and have a stable source of operating cash and repayment, including commercial buildings, star-rated hotels, comprehensive commercial facilities (such as shopping malls and shops) and other commercial buildings. The maximum term is 5 years)

Second, what is the significance of operating real estate loans? Look carefully!

Small and micro enterprises lack liquidity and often need to rely on bank loans to solve problems. There are many ways to apply for corporate loans now, and operating property loans are a popular way. So what does the operating property loan mean? Today we will briefly introduce the relevant content.

1. What is the significance of operating property loans? Many banks and financial institutions will provide some products suitable for enterprises, such as operating property as collateral, because this property has operating income, so it can be used to repay debts. What are the operation attributes? Mainly the following types: office buildings, commercial buildings and industrial buildings that have been built and put into commercial operation, with standardized management, stable operating profit, abundant operating cash flow and good comprehensive income, mainly including office buildings, hotels and comprehensive commercial facilities. The income of these operating properties includes all the income obtained by property owners from operating properties, including but not limited to: property rent, advertising space rent, temporary exhibition fee, management fee, deposit and admission fee. Second, the introduction of operating property loans Many banks have operating property loans. For example, the applicable customer: loan form of hotel or office building under the name of enterprise: annualized interest rate of real estate mortgage: 8%- 10% Service area: the whole country (except Hong Kong, Macao and Taiwan) Financing subject: loan amount of domestic enterprises: 80 million-1 100 million. Repayment method: interest takes priority, and the term of principal loan: 654.38+05 years at the longest. Operation period: 654.38+05 days. Service period: 20 days. Average loan amount: 80 million.

Third, the introduction of operating property loans.

Mortgage loan for operating property refers to the loan issued by the bank to the legal person of operating property, with the property owned by the bank as the mortgage, and the repayment source includes but is not limited to the operating income of operating property. Operating property refers to commercial business premises and office premises that have been completed and put into commercial operation, with abundant operating cash flow, good comprehensive income and stable repayment sources, including commercial premises, star-rated hotels, comprehensive commercial facilities (such as shopping malls and shops) and other commercial premises. In principle, the longest period shall not exceed 8 years. (Maximum 15 years)

4. What is the annualized interest rate of real estate loans operated by banks?

Bank operating real estate loans are generally in the form of equal principal and interest, and the annualized interest rate is around 4.5.

1. Operating property mortgage loans have a wide range of uses, which can effectively meet the working capital needs of enterprises, and can also replace debt funds such as bank loans, shareholder loans and affiliated company loans during the property construction period and self-owned funds exceeding the prescribed proportion of project capital.

2. The loan term is long. In principle, the loan term shall not exceed 65,438+00 years, and the longest shall not exceed 65,438+05 years, and shall be less than the legal operating period of the borrower and the remaining service life of the house ownership certificate.