What property is Everbright Yun Qi?

1. What property is Everbright Yun Qi?

Everbright Yun Qi Property is: Qibin Property, and the information of the property company is for reference only, subject to the input of the actual property company.

The delivery time of Everbright Yun Qi is: 65438+February 3, 20231. The information is for reference only. If you want to know the exact delivery time, you can call the 400 hotline to contact the property manager.

2. What are the characteristics of Everbright Bank's operating property mortgage loan?

(1) The amount is high, meeting the large financing demand;

(2) Long term, saving the cost of frequent loan renewal;

(3) A wide range of uses, all legal and compliant purposes;

(4) One-time credit granting, with the line being recycled;

Third, what are the advantages of operating real estate mortgage loans?

Core Tip: Operating property mortgage loan is a loan that takes the stable cash flow generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for the expansion, reconstruction and decoration of the above operating assets.

Bian Xiao also asked the person in charge of the Industrial and Commercial Bank of China because the mortgage loan for operating real estate just started. Operating property mortgage loan is a loan that takes the stable cash flow (including but not limited to fee income, rental income and operating income, hereinafter collectively referred to as operating income) generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for the expansion, reconstruction and decoration of the above operating assets.

To put it bluntly, the operating real estate mortgage loan is a loan with the commercial house in your hand as the mortgage, and then the income from this door as the first repayment source. Seeing this, there must be a creative friend complaining about Bian Xiao, saying that such a large set of commercial real estate mortgage loan has nothing to do with small owners like me. Bian Xiao tells you that the relationship is big!

Entrepreneurs must pay attention to this sentence, because the shopping malls mentioned in the operating real estate mortgage loan include shops in the commodity trading market! This threshold has been lowered very low!

Industrial and commercial bank of China operating real estate mortgage loan

It is worth mentioning that the real estate mentioned in the operating real estate mortgage loan is exquisite. Refers to the commercial premises and offices that have been built and put into commercial operation, with standardized management, stable operating profit, abundant cash flow, stable repayment sources, clear and complete property rights and good comprehensive income, including shopping malls (including shops in commodity trading markets! ), commodity trading markets, office buildings, star-rated hotels, hotels, warehouse facilities, factory comprehensive commercial facilities, etc.

By the way, in principle, the occupancy rate of hotels is better than 60%, the occupancy rate of office buildings is higher than 70%, and the occupancy rate of trading markets is higher than 80%.

Generally speaking, the amount of operating property mortgage loan will be determined after comprehensive consideration of the borrower's financing needs, existing financing and other related factors, and it must be the most reasonable amount within the maximum credit line.

The term of mortgage loan for operating property shall not exceed 5 years (including 5 years), and the maturity date of the loan shall be at least 3 years (including 3 years) earlier than the termination date of operating assets of the borrower, and at the same time at least 3 years (including 3 years) earlier than the termination date of operating assets.

4. Can the operating property mortgage loan be repaid to shareholders?

can

The purpose of the loan is to repay the shareholder's loan amount and other payables, long-term payables and other payables. If the purpose of the loan is to replace other banks' loans, check the applicant's loan balance and the replacement loan situation in the credit information system of the People's Bank of China to verify whether the applicant's long-term and short-term loan amount is consistent with the loan amount to be replaced by other banks, and check whether the formation time of continuous annual loans is consistent with that of other banks.

Operating property mortgage refers to the stable cash flow (including but not limited to fees, collectively referred to as operational income) generated by the borrower who has purchased or put it into use.