What is a commercial real estate mortgage loan?

1. What is an operating property mortgage loan?

Core Tip: Operating property mortgage loan is a loan that takes the stable cash flow generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for the expansion, reconstruction and decoration of the above operating assets.

Bian Xiao also asked the person in charge of the Industrial and Commercial Bank of China because the mortgage loan for operating real estate just started. Operating property mortgage loan is a loan that takes the stable cash flow (including but not limited to fee income, rental income and operating income, hereinafter collectively referred to as operating income) generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for the expansion, reconstruction and decoration of the above operating assets.

To put it bluntly, the operating real estate mortgage loan is a loan with the commercial house in your hand as the mortgage, and then the income from this door as the first repayment source. Seeing this, there must be a creative friend complaining about Bian Xiao, saying that such a large set of commercial real estate mortgage loan has nothing to do with small owners like me. Bian Xiao tells you that the relationship is big!

Entrepreneurs must pay attention to this sentence, because the shopping malls mentioned in the operating real estate mortgage loan include shops in the commodity trading market! This threshold has been lowered very low!

Industrial and commercial bank of China operating real estate mortgage loan

It is worth mentioning that the real estate mentioned in the operating real estate mortgage loan is exquisite. Refers to the commercial premises and offices that have been built and put into commercial operation, with standardized management, stable operating profit, abundant cash flow, stable repayment sources, clear and complete property rights and good comprehensive income, including shopping malls (including shops in commodity trading markets! ), commodity trading markets, office buildings, star-rated hotels, hotels, warehouse facilities, factory comprehensive commercial facilities, etc.

By the way, in principle, the occupancy rate of hotels is better than 60%, the occupancy rate of office buildings is higher than 70%, and the occupancy rate of trading markets is higher than 80%.

Generally speaking, the amount of operating property mortgage loan will be determined after comprehensive consideration of the borrower's financing needs, existing financing and other related factors, and it must be the most reasonable amount within the maximum credit line.

The term of mortgage loan for operating property shall not exceed 5 years (including 5 years), and the maturity date of the loan shall be at least 3 years (including 3 years) earlier than the termination date of operating assets of the borrower, and at the same time at least 3 years (including 3 years) earlier than the termination date of operating assets.

Second, what is the operating real estate mortgage loan?

Core Tip: Operating property mortgage loan is a loan that takes the stable cash flow generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for the expansion, reconstruction and decoration of the above operating assets.

Bian Xiao also asked the person in charge of the Industrial and Commercial Bank of China because the mortgage loan for operating real estate just started. Operating property mortgage loan is a loan that takes the stable cash flow (including but not limited to fee income, rental income and operating income, hereinafter collectively referred to as operating income) generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for the expansion, reconstruction and decoration of the above operating assets.

To put it bluntly, the operating real estate mortgage loan is a loan with the commercial house in your hand as the mortgage, and then the income from this door as the first repayment source. Seeing this, there must be a creative friend complaining about Bian Xiao, saying that such a large set of commercial real estate mortgage loan has nothing to do with small owners like me. Bian Xiao tells you that the relationship is big!

Entrepreneurs must pay attention to this sentence, because the shopping malls mentioned in the operating real estate mortgage loan include shops in the commodity trading market! This threshold has been lowered very low!

Industrial and commercial bank of China operating real estate mortgage loan

It is worth mentioning that the real estate mentioned in the operating real estate mortgage loan is exquisite. Refers to the commercial premises and offices that have been built and put into commercial operation, with standardized management, stable operating profit, abundant cash flow, stable repayment sources, clear and complete property rights and good comprehensive income, including shopping malls (including shops in commodity trading markets! ), commodity trading markets, office buildings, star-rated hotels, hotels, warehouse facilities, factory comprehensive commercial facilities, etc.

By the way, in principle, the occupancy rate of hotels is better than 60%, the occupancy rate of office buildings is higher than 70%, and the occupancy rate of trading markets is higher than 80%.

Generally speaking, the amount of operating property mortgage loan will be determined after comprehensive consideration of the borrower's financing needs, existing financing and other related factors, and it must be the most reasonable amount within the maximum credit line.

The term of mortgage loan for operating property shall not exceed 5 years (including 5 years), and the maturity date of the loan shall be at least 3 years (including 3 years) earlier than the termination date of operating assets of the borrower, and at the same time at least 3 years (including 3 years) earlier than the termination date of operating assets.

3. What are the conditions for operating a real estate mortgage loan?

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 mortgage loan conditions: 1. Open a basic account or general account in a bank with a loan certificate (card) and no bad credit record; 2. The credit rating of the Bank is above BB (inclusive), and the asset-liability ratio is not higher than 70% in principle; 3. It is in good operating and financial condition and has the ability to repay the principal and interest; Commit in writing to handle intermediary business such as fund settlement, collection and payment generated by property management in the bank, and accept the supervision of the bank on the income and expenditure of property management; 4. Have all the property rights of the operating property, and hold legal and valid land use right certificates and property ownership certificates; The way to obtain the certificate of land use right is the transfer of state-owned land; 5. The board of directors or the decision-making body agrees to use the operating property it owns as collateral for the loan. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

4. What is operating property financing?

Operating property financing, leasing is similar to installment leasing, generally because enterprises are too nervous to buy assets directly and lease, and the lease period is longer. After the end of the lease period, the lessee will generally buy the asset, or the asset has no practical value, which means that the risk and value of the asset have been completely transferred to the lessee, so it should be recognized as the asset of the enterprise.

However, the lease term of operating lease is short, and the lessor will continue to lease the recovered assets to other units or for personal use after the lease ends, so it cannot be recognized as amortization and depreciation of enterprise assets.