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.