Property companies apply for loan purposes. Property companies apply for loans.

Conditions for applying for mortgage loan for business property of Postal Savings Bank (process, channels and materials)

Application conditions

An enterprise legal person with loan qualification and real estate development qualification approved and registered by the industrial and commercial administration or the competent authority.

Processing channel

You can do it at the local Postal Savings Bank branch that provides corporate credit services.

Treatment process

Acceptance investigation-calculation of property management cash flow-approval-signing contract-issuing loan

Application material

When the borrower applies for the mortgage loan of operating property, it shall provide the following information in addition to the basic information:

1. Authorization and resolution documents of the shareholders' meeting, the board of directors and other decision-making bodies with the right to agree to borrow money and mortgage business property;

2. Proof materials for the completion and acceptance of operating property, legal and valid property rights certificates such as real estate license and land use right certificate;

3. Proof materials of flawless operating property rights, such as investment composition, sources of funds and relevant legal and effective contracts, agreements or other documents;

4. Major agreements or contracts, invoices, tax payment vouchers and related certification materials that affect the borrower's rental income;

5. Tenant structure and lease details;

6. Other materials required for handling loans.

Bank of Communications operating real estate mortgage loan application materials

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 do credit cooperatives and property companies need for loans?

Identity certificate, household registration book, marriage certificate, house ownership certificate or land certificate, industrial and commercial license, tax registration certificate, income certificate, and bank capital flow.

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's capital flow and property evaluation report, go to the mortgage registration department for mortgage registration, and then take out the loan in the bank.

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. 4. Have all the property rights of the operating property, and hold 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. 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. "Family Finance plus".

Ping An Bank's Process of Applying for Operating Property Loan

Ping An Bank's Process of Applying for Operating Property Loan

What is the operating property loan of Ping An Bank?

Ping An Bank's operating property loan refers to the loan issued by Ping An Bank to enterprises, with the operating property owned by Ping An Bank as collateral and the operating income of the property as the main source of repayment.

What is the business nature of Ping An Bank?

Operating properties mainly refer to office buildings, commercial buildings, shops and comprehensive commercial facilities that have been built and put into commercial operation, with standardized management, stable operating profit, abundant operating cash flow and good comprehensive income. The operating income of operating property refers to all the income obtained by the property owner from operating the property, including but not limited to: property rent, advertising space rent, temporary exhibition fee, management fee, rent refund deposit, admission fee, etc.

Ping An Bank's Process of Applying for Operating Property Loan

1. Customers apply for loans and submit materials;

2. Ping An Bank conducts due diligence and approval;

3. Sign a contract to complete the mortgage registration of operating property and pledge registration of accounts receivable;

4. Ping An Bank issues loans to conduct closed supervision of property management revenue and expenditure;

5. The customer repays the loan as agreed.

What is the purpose of the property company applying for working capital loan?

Use of working capital: you can write daily expenses such as salary of property personnel, maintenance and repair of community, greening of community, etc. The purpose of working capital loan is generally limited to the expenses that the company needs to pay for its daily operation and turnover.

This is the end of the introduction of the loan application of the property company, and the purpose of the loan application of the property company. I wonder if you found the information you need from it?