Can an enterprise take the rent receivable as a credit loan?

Enterprises can use the rent receivable as a credit loan. At present, ABC has a product called operating real estate mortgage loan, which is more suitable.

I. Product definition

Operating properties refer to commercial premises, offices, hotels, shopping malls (shopping centers), serviced apartments and industrial storage places that have been completed and put into operation, with standardized management, stable operating income, abundant cash flow and good comprehensive income. Operating property loan refers to a loan issued by a bank to an owner of a legally qualified operating property, with the property he owns as collateral and the operating income of the property as the main source of repayment.

Second, the function and characteristics

Operating property mortgage loans can be used for the capital needs of the property during its operation.

1. For self-built properties, it can be used to replace debt funds and funds exceeding the specified proportion of project capital;

2. For the purchased property, it can be used to replace the purchase price.

3. Operating real estate mortgage loans can determine the loan term and loan amount according to the needs of real estate owners, real estate rental income and real estate value.

Third, the handling process

The basic process of operating real estate mortgage loan is: customer application and acceptance → credit business investigation (evaluation) → credit business review, deliberation and approval → credit business implementation → post-loan business management → credit recovery.

Note: The specific business types, processes and conditions shall be subject to the relevant regulations of the local branch of Agricultural Bank of China.