Operating real estate mortgage loan conditions

There are many kinds of loans on the market now. I believe everyone is familiar with the ways of loans, especially housing mortgage loans and vehicle mortgage loans. So do you know anything about operating real estate mortgage loans? What are the requirements for applying for a mortgage loan for operating property? Let's get to know each other.

Mortgage loan of operating property refers to the loan granted by banks to legal persons with operating property as collateral and operating income of the property as the main source of repayment.

Conditions for applying for operating property mortgage loan

1. Open a basic account or ordinary account in a bank with no bad credit record;

2. The credit rating of the bank is above BB, and the asset-liability ratio is not higher than 70%;

3. The mortgaged property is in good operating condition and has the ability to repay the principal and interest;

4. The lender owns all the property rights of the operating property;

5. Commit in writing that the intermediary business such as fund settlement, collection and payment generated by property management shall be handled in the bank and subject to bank supervision.

The above are the application conditions for operating mortgage loans. This kind of loan is suitable for enterprises with financing difficulties and is of great benefit to alleviating their financial difficulties.