Term of property management loan

How long is the loan period of the post bank's operating property mortgage loan?

The term of mortgage loan for operating real estate is generally 5 years, the longest of which shall not exceed 10 year, and shall not exceed the statutory operating period or term of the borrower; At the expiration of the loan term, the mortgaged property should still have a reasonable remaining service life, which is not less than 10 year in principle.

Bank of Shaoxing commercial real estate mortgage loan

Product definition

The commercial property mortgage loan of Shaoxing Bank refers to the loan issued by the bank to enterprises and institutions with commercial properties, with the commercial property owned and operated normally as the mortgage and the operating income of the property as the principal and interest.

loan limit

The mortgage loan amount of commercial real estate of Shaoxing Bank should be determined according to the annual cash flow of commercial real estate, and the evaluation value of the real estate should be considered comprehensively. In principle, the lowest of the two should be used as the basis for determining the loan amount.

deadline

The term of commercial real estate mortgage loan of Shaoxing Bank should be less than the borrower's legal operating period and the remaining service life of commercial real estate property certificate;

(1) If the commercial property is leased as a whole, the loan period shall not exceed ten years in principle and the lease contract period (if there are multiple lease contracts, the lease period is the shortest among the main tenants);

(2) If commercial property is leased in a piecemeal manner, the loan period shall not exceed 5 years in principle.

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What are the advantages of operating a real estate mortgage loan? What are the purposes of operating property loans?

With the diversification of loan products, enterprises now have another loan application product, namely operating property mortgage loan, which indirectly provides a new financing method for enterprises. So, what are the advantages of specific operation of real estate mortgage loans? Many people don't know much about this. Operating property mortgage loan, in simple terms, is a kind of loan method with operating property as collateral and operating income of the property as the main source of repayment. Next, come with me to understand the relevant knowledge of operating real estate mortgage loans.

What are the advantages of operating a real estate mortgage loan?

1, the loan operation is simple. Compared with the enterprise loan method, the operation is simple and it is easier to obtain bank loans.

2. The guarantee method is flexible. In addition to the guarantee, it can also provide property mortgage, pledge, third-party guarantee and joint liability guarantee.

3. The loan term is long. The longest loan term is 10 year. Enterprises can use money for a long time after obtaining loans.

4. The repayment method is unique. Banks can consider rent recovery, which has a certain cycle. Generally, interest is settled quarterly or monthly to repay the loan principal and interest.

5. Flexible use of loans. It has solved the problem of difficult supervision of loan use and reduced the supervision of banks' own funds.

Nine main points of examination of mortgage loan for operating real estate

1. Can the supervision of rental income be implemented?

The borrower must open a special account for fund supervision, implement the management of two lines of revenue and expenditure, establish a detailed account of revenue and expenditure, and enter the special account for property operation. If there is any evasion of fund supervision, banks should take risk prevention and control measures.

2. Is the use of funds compliant?

Funds can be used for legitimate needs, but not limited to shareholder loans.

3. Property occupancy rate

Whether the rental income matches the loan amount and term; Review the payment method of rent to prevent the lessee from paying the long-term rent to the borrower in one lump sum when the house is mortgaged to the bank, or the rent has been offset from the lessor's debt to the lessee, and the bank obtains the repayment source from the rent and disposes of the collateral.

4. Grasp the real ownership structure of the borrower.

This paper analyzes the borrower's management ability from the aspects of the borrower's shareholding structure, background, industry experience and management team.

5. Can the net operating cash flow cover the loan principal and interest?

During the period of bank loan, the net operating cash flow must be able to cover the principal and interest of bank loan after deducting expenses such as overhaul, daily maintenance, management expenses and financial expenses from cash income.

Pay attention to the lease term

Article 190 of the Property Law stipulates that if the mortgaged property has been leased before the conclusion of the mortgage contract, the original lease relationship will not be affected by this. After the establishment of the mortgage, if the mortgaged property is leased, the relationship shall not be against the registered mortgage. Therefore, we should pay attention to strengthening post-loan management, verifying tenants and ensuring the security of creditor's rights.

7. Pay attention to ownership

Pay attention to whether there are other mortgagees and the bank is the first mortgagee; Whether the mortgagor has independent disposition right; Real estate transfer contract has unlimited transfer clause; Whether the collateral has been sealed up; Through the tax authorities to provide a written explanation of whether the mortgagor owes taxes, to understand the situation of tax arrears, in order to prevent risks; Whether the mortgaged property is in arrears with the project payment; Whether the collateral is incomplete or has a special structure and cannot be disposed of independently.

8. Pay attention to whether the evaluation value is true and effective?

The evaluation methods include: cost method, which reflects the procurement cost; Comparison between market method and actual transaction; Valuation conditions are not hypothetical, and there must be a documentary basis, and there must be an accurate basis for the nature and planned use of the land. The allocated land cannot be evaluated according to the transferred land, and the industrial land cannot be evaluated according to the commercial residential land; Evaluate the plot ratio of important conditions and provide legal basis.

9. Pay attention to the liquidity of collateral

Judge the value and liquidity of collateral. In view of the long construction period and the estimated price exceeding the construction cost, we should fully consider the impact of taxes payable on the final value when the collateral is realized.

Editor's summary: The above are the advantages of operating real estate mortgage loans, as well as the introduction of relevant knowledge about whether the use of operating real estate loans is in compliance, hoping to help friends in need! Please continue to pay attention to our website for more information, and more exciting content will be presented later.

What are the advantages of operating a real estate mortgage loan? What are the benefits?

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. Many people want to know the benefits of operating a real estate mortgage loan. Today, let's talk to you.

Operating a real estate mortgage loan has the following three advantages:

(1) 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.

(2) Flexible use of loans.

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.

(3) The repayment method is flexible, which reduces the financial management expenses of enterprises.

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 mortgage loan for operating property is the stable cash flow of operating property, and the rent of the property is fully supervised to the corresponding bank, which not only ensures the timely repayment of the loan, but also saves the workload and financial management cost of the borrower, thus reducing the repayment pressure of the enterprise to the maximum extent.

Among the three red lines, is the operating property loan of housing enterprises a housing loan?

Among the three red lines, the operating property loans of housing enterprises are considered as housing loans. Real estate development loans are medium and long-term project loans issued to real estate development enterprises for housing, commercial housing and other real estate development and construction. The object of real estate loans is registered state-owned, collective, foreign-funded and joint-stock enterprises with real estate development and management rights. The term of real estate development loans is generally not more than three years (including three years). In principle, the loan should be secured by mortgage or pledge such as national debt, certificates of deposit and covered letters of credit that the borrower has the right to dispose of, and the part with insufficient guarantee capacity can be guaranteed by guarantee.

The introduction of the term of the property management loan ends here.