What are the risks that need special attention in operating real estate loans?

The first is to grasp market risks. The mortgage loan for operating property has a long term, and there are many uncertain and unpredictable factors during the loan period. The economic development cycle and the real estate market cycle change, the borrower overestimates the value of the collateral or mortgages the projects with unsatisfactory rental-sales ratio to the bank, which may lead to insufficient mortgage, reduce the project rental rate and rent level, and thus affect the loan security. Therefore, it is necessary to truly and objectively evaluate the market value of collateral, strictly use loans, and prevent borrowers from reducing registered capital, reducing share capital, improperly distributing profits and other behaviors that harm owners' rights and interests.

The second is to grasp the risks of customers and projects. The loan object must be a high-quality customer with high credit rating, good development qualification, good financial status, excellent commercial real estate development performance or rich property management experience, strong investment attraction ability and market cultivation and operation ability. In principle, commercial property refers to a low-risk project located in downtown business district, central business district and other prosperous areas, which has been put into operation for a period of time, with high occupancy rate and good operating conditions.

The third is to grasp the interest rate risk. Pay attention to the influence of inflation rate and market interest rate changes on the real interest income of operating property mortgage loans. The fourth is to grasp the risk of post-loan management. Operating banks should keep abreast of the rental and sale of the project, accurately estimate the cash flow of the project operation, carefully supervise the project funds, formulate a scientific and reasonable repayment plan, ensure the repayment of the loan principal and interest on schedule, and effectively control and resolve the loan risk.

note:

1. The operating property used for mortgage must be a loan owned by the borrower, located in a prosperous business district, and used for renting out, with the rent collected as the repayment source.

2. The loan can be used for legal and compliant capital requirements within the company's business scope, including but not limited to debt replacement funds and funds exceeding the specified proportion of project capital.

3. The value of collateral must be evaluated by a real estate appraisal company with the qualification of real estate appraisal institutions above Grade II in the Measures for the Administration of Real Estate Appraisal Institutions promulgated by the Ministry of Construction.