At present, many banks say that real estate development enterprises cannot apply for operating property loans (fixed assets support financing). What are the good regulations of CBRC?

First of all, this is the bank's own credit policy, and the CBRC will not have such detailed regulations. Second, the operating property mortgage loan is a product variety that all banks strongly support. Its risk is easy to control, the repayment source is stable and the income is high. For example, the commercial real estate developed by a developer here has been leased to Red Star Macalline and Wal-Mart, and the commercial real estate has been mortgaged, with the future rent of Red Star Macalline and Wal-Mart as the first repayment source, and all banks are willing to do it. A key issue here is that banks attach great importance to the local business atmosphere of operating properties and the rental income of rented properties in the future.

1. What is an operating property 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 refers to commercial premises and office premises that have been completed and put into commercial operation, and have abundant operating cash flow, good comprehensive income and stable repayment sources, including commercial premises, star-rated hotels, comprehensive commercial facilities (such as shopping malls and shops) and other commercial premises. In principle, the longest period shall not exceed 8 years. (Maximum 15 years)

Second, the characteristics of operating real estate loans

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.

Third, the advantages of operating real estate loans

1. The loan is flexible. Operating property mortgage loan solves the problem of difficult supervision of loan use in real estate enterprises. For self-built properties, it can be used to replace debt funds and self-owned funds that exceed the prescribed proportion of project capital, that is, to replace the self-owned funds belonging to real estate enterprises, which can appropriately reduce the supervision of banks on the use of self-owned funds of enterprises.

2. The loan term is long. Ordinary mortgage loans, the loan period is generally 1 year, and enterprises are facing great repayment pressure. Operating real estate mortgage loan, the longest loan period can reach 10 years, and enterprises can obtain long-term stable funds.

3. The repayment method is flexible, and the financial management cost of the enterprise is reduced. The repayment plan can be arranged reasonably according to the capital arrangement of the enterprise and the cash flow of the operating property. The repayment source of operating property mortgage loan is the stable cash flow of operating property, and the property rent is fully supervised to the bank, which not only ensures the timely repayment of the loan, but also saves the workload and financial management cost of the borrower, and minimizes the repayment pressure of the enterprise.

4. The operation is simple, which can solve the financing problem of enterprises. Operating real estate mortgage loan is simple. Operating real estate mortgage loans mainly focus on the value of collateral and cash flow during the loan period. As long as the operating property meets these two conditions (that is, the first repayment source and the second repayment source), it can operate the mortgage loan business of operating property, and enterprises can easily obtain bank loans.