What are the conditions for operating a real estate loan?

1. Open a basic account or general account in a bank with the loan certificate (card) and have 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;

BB level: refers to the customer's poor market competitiveness, financial efficiency and management level, weak solvency and high risk.

3. It is in good operating and financial condition and has the ability to repay the principal and interest;

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 decision-making body agrees to use its operating property as loan collateral;

6. Promise in writing that the intermediary business such as fund settlement, receipt and payment generated by property management will be handled in the bank, and accept the supervision of the bank on the income and expenditure of property management.

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.