What are the factors that affect the amount of mortgage loans for operating properties?

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. Then, what factors affect the amount of mortgage loans for operating properties? The following small series will introduce you.

First, the situation of the borrower. The borrower's bad credit information and personal assets have certain influence on the loan amount.

Second, the business situation. Organizational form, ownership structure, operating performance, credit status, financial status and cash flow status are all items investigated by banks.

Third, the nature of business. The rental operation, actual construction cost, market value and liquidity of the operating property used for mortgage loans have a direct impact on the loan amount.

In addition, the bank will also review the credit information, operating conditions and ability to pay rent of the lessee who operates the property. Generally speaking, banks are determined according to the comprehensive situation.