The loan purpose of personal business real estate mortgage loan cannot be used for

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.

What information does Bank of Communications need to apply for personal business real estate mortgage loan?

1, valid identification and business certification materials;

2. Property certificate of operating property, proof that the property owner agrees to mortgage, and proof that the owner and lessee agree to cooperate with the disposal of collateral, etc.

3 property rental income materials and other legal and stable income materials except property rental income;

4. Proof of loan use;

5. Other materials specified by the Bank of Communications.

What are the types of personal business loans?

1. Personal commercial housing loans Personal commercial housing loans are RMB loans issued by banks to borrowers for the purchase of various commercial and business buildings. Mortgage loans for commercial and residential dual-use houses are managed with reference to commercial housing loans. 2. Personal business property mortgage business property: refers to the property that has been completed and accepted for office, retail, shops, industrial production and other purposes through commercial operations such as leasing. 3. Personal short-term commercial loans Personal short-term commercial loans: RMB loans granted to borrowers for the flow of production and business activities. 4. Personal Medium-and Long-term Commercial Loans Personal Medium-and Long-term Commercial Loans: Renminbi loans granted to borrowers for medium-and long-term capital needs such as fixed assets investment, project renovation, business premises renovation and working capital. 5. Personal small equipment loan Personal small equipment loan: it is a RMB loan issued to borrowers for purchasing small equipment (including engineering vehicles and commercial vehicles). ) needed in production and business activities. Conditions for individual industrial and commercial households: (1) Full capacity for civil conduct and local household registration; (2) Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source; (3) Being able to provide legal, sufficient and easy-to-realize collateral; (4) Open a deposit account in a loan bank. Preparation materials: (1) original ID card, household registration book and a copy consistent with the original; (2) Provide the original and photocopy of the annual business license and tax registration certificate; (3) Relevant materials that can prove their lawful income; (4) Relevant materials that can prove their marital status; (5) Provide legal and sufficient collateral and evaluation report; (6) The mortgagor or pledger shall fill in the pledge in bank format; (seven) other information required by the bank. To sum up, there are four types of personal business loans, but no matter what type of business loans, they should be used for legitimate business activities. Generally speaking, a lender refers to an institution operated by a bank to help individuals obtain commercial loans.