What is the interest rate for operating property loans?

Can operating property loans be used for land purchase?

The purpose of operating real estate loans can be used to buy land. According to the relevant information, operating property loans can be used for real estate enterprises to operate properties, but not for development.

What are the access conditions and loan purposes of operating property loans?

Operating property loans refer to loans issued by United Bank to legal persons or other economic organizations that develop or purchase operating properties on their own, with the property owned by them as loan collateral or sufficient guarantee provided by a third party, and the principal and interest are repaid with the operating income of the property, but not limited to the operating income of the property.

Access conditions:

A legal person or other economic organization established with the approval of the competent department, holding an enterprise business license according to law and carrying out independent accounting has put its property into operation and has the right to dispose of it independently.

The purpose of the loan:

It can be used for the capital demand during the operation of the property, including the replacement of debt funds and the expenses of decoration, maintenance and management during the existence of the property.

Scope of application:

Commercial, office, production and storage buildings that have been put into commercial operation, with standardized management, stable operating profit, abundant cash flow and good comprehensive income, including shopping malls, commodity trading markets, office buildings, star-rated hotels, comprehensive commercial facilities, standard workshops, warehouses and other property forms.

Required information:

Credit business application

Basic information of the applicant: business license, code certificate, tax registration certificate, legal representative's ID card, loan card, articles of association and copy of capital verification report; Original power of attorney of the legal representative; Financial information, etc

Relevant agreements and contracts for leasing properties abroad.

The nature of the land is the transfer of operating property loans, which requires property certificates; If the property is leased, it is necessary to provide proof that the relevant departments agree to build the property.

What kind of loan does the operating property loan belong to?

Long term loan.

Operating property loan is a long-term loan, which is mainly used to purchase, rebuild or transform commercial properties, such as shops, commercial buildings, high-grade apartments, and purchase equipment. Operating property loan is a kind of commercial loan, which is issued by commercial banks, and the borrower needs to provide mortgage and other guarantee means.

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 loan repayment.

Of course.

Purpose of operating property loan: used for real estate enterprises to operate 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.

Operating property refers to commercial premises and office buildings that have been built and put into commercial operation, with abundant operating cash flow, good comprehensive income and stable repayment sources, including commercial buildings, star-rated hotels, comprehensive commercial facilities and other commercial buildings. In principle, the longest period shall not exceed 8 years. (Maximum 15 years)