Operating property loan repayment.

First, operating property loans are returned to the house to open loans.

Of course.

Purpose of operating property loan: used for real estate enterprises to operate properties.

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 premises and office buildings that have been built and put into commercial operation, with abundant operating cash flow, good comprehensive income and stable repayment sources, including commercial buildings, star-rated hotels, comprehensive commercial facilities and other commercial buildings. In principle, the longest period shall not exceed 8 years. (Maximum 15 years)

Second, what is the meaning of real estate loan?

Real estate loans are mainly mortgage loans, with real estate (real estate or real estate) as collateral and business enterprises (industrial and commercial licenses) as lenders to apply for loans. The lender first negotiates with the bank about the mortgage loan, and then applies to the appraisal company for appraisal according to the designation of the bank, and obtains the appraisal report. After that, the lender and his wife apply for mortgage loan in the bank with their identity certificate, household registration book, marriage certificate, house ownership certificate or land certificate, business license, tax registration certificate, income certificate, bank capital flow and property evaluation report, go through mortgage registration in the mortgage registration department, and then take out the loan in the bank!

3. What is the real estate loan of Sunshine Credit?

Fang zidai

4. What does the first loan mean?

The first loan refers to the first housing loan. According to the definition standard of the house purchase information system, it is stipulated in the property right registration information database that there is no property right registration record, or there is property right registration, but the source of property right is self-built, inherited or donated, housing reform, affordable housing and housing, which belongs to the first purchase, the Suhe real estate market will issue the first purchase certificate. The standard also stipulates that the area for inquiring about individual purchase information is limited to the area registered by the institution that issued the Certificate of First Purchase. The Declaration Form of the First House (Inspection) Certificate clearly stipulates that the so-called "first house" must meet three conditions: the buyer must be 18 years old; The purchased house is an ordinary house of 90 square meters or less; At present, the buyer has no property under his own name, whether it is purchased separately or together. However, according to the housing reform policy, houses purchased with parents through inheritance or resettlement are excluded. Deed tax: if an individual purchases an ordinary house below 90 square meters for the first time, the deed tax will be temporarily reduced by 1% after the down payment; For first-time buyers, the down payment ratio will be reduced to 20%. Interest rate: the interest rate of individual housing provident fund loans will be lowered, and the interest rates of all grades will be lowered by 0.27 percentage points respectively.

First, the definition of the first loan

1. Real estate administration implements individual housing standards. According to the new real estate policy of the Ministry of Finance, 1 1. In 2008 and after signing the purchase contract, the first ordinary house with an area of 90 square meters or less was purchased, and the deed tax rate was temporarily adjusted to 1%. One of the three preconditions of this deed tax concession is that the commercial house that enjoys the concession must be the owner's first home. The real estate bureau and the Finance Bureau gave the answer.

2. Inquire about the first purchase information based on the purchase contract. When accepting the inquiry of personal first-time house purchase information, I need to check the identity certificate of the investigator, the pre-sale contract of commercial housing or the sales contract of stock housing (when I can't ask in person, the client should submit the original ID card of myself and the original ID card of the client).

3. According to the definition standard of the house purchase information system, it is stipulated in the property right registration information database that there is no property right registration record, or there is property right registration, but the source of property right is self-built, inherited or donated, housing reform, affordable housing and housing. For first-time buyers, the first-time purchase certificate will be issued by express delivery and real estate market. The standard also stipulates that the area for inquiring about individual purchase information is limited to the area registered by the institution that issued the Certificate of First Purchase.