Conditions for operating real estate loans

I. Conditions for operating real estate loans

Spread out completely

1. Open a basic account or general account in a bank with the loan certificate (card) and have 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 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 decision-making body agrees to use its operating property as loan collateral;

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.

Two. Operating property loan refers to a loan issued by a bank to an operating property owner who has the legal qualification to undertake loans, and the property owned by the bank is used as loan collateral. ...

The answer to this question: Yes.

Third, can individuals contract residential properties?

Legal analysis: Not according to Article 59 of the Property Management Regulations, if a property service enterprise entrusts all property management in a property management area to others in violation of these regulations, the real estate administrative department of the local people's government at or above the county level shall order it to make corrections within a time limit and impose a fine of more than 30% and less than 50% of the entrusted contract price.

According to the provisions of Article 32 of the Property Management Regulations, enterprises engaged in property management activities shall have independent legal personality. Therefore, individuals are not allowed to contract the management of community commerce.

Legal basis: Article 32 of the Regulations on Property Management. Enterprises engaged in property management activities shall have independent legal personality.

The State Council construction administrative departments shall, jointly with relevant departments, establish a joint incentive mechanism for trustworthiness and a joint disciplinary mechanism for dishonesty, and strengthen the integrity management of the industry.

4. Can individuals with operating real estate make loans?

Rmb loans granted to owners of operating properties with legal loan qualifications shall be secured by the operating properties they own and the operating income of the operating properties shall be used as the principal and interest.

Operating property refers to commercial premises and office buildings that have been built and put into commercial operation, standardized management, abundant cash flow and good comprehensive income, including shopping malls, office buildings, comprehensive commercial facilities and other property forms, and must be within the administrative division of Tianjin.

The loan period can be up to 8 years; Simple loan procedures and quick approval procedures; Wide distribution of outlets, convenient repayment for customers.