Real estate development loans:
Real estate is a general term for real estate and real estate, and real estate development loans are loans for real estate project development and construction issued by the Bank to real estate development enterprises with real estate development qualifications. Compared with other types of loans, real estate development loans have the characteristics of high returns and high risks. Therefore, it is generally necessary to be cautious on the basis of evaluating comprehensive income.
I. Types of real estate development loans
According to the different development contents, there are the following types of real estate development loans:
Housing development loan. It is a loan issued to real estate development enterprises for the development of commercial residential projects, such as single residential buildings, residential quarters, villas and other projects. The first source of repayment is the pre-sale sales income of residential buildings.
(2) Commercial housing development loans. It is a loan issued to real estate development enterprises for developers to use in commercial housing projects, not family housing.
(3) Land development loans. It is a land development loan issued to real estate development enterprises.
(four) working capital loans for real estate development enterprises. Refers to the loan applied by real estate development enterprises because of their needs, which has nothing to do with specific projects.
Second, the conditions for applying for real estate development loans
In addition to the general loan requirements, the borrower applying for a real estate development loan shall also meet the following conditions:
(1) Legal person qualification requirements: obtain the qualification certificate of real estate development enterprise, and at the same time obtain the resolution and authorization of the company's board of directors on applying for mortgage loan, the company's commitment letter, and the implementation documents of the development funds in the early stage of the project.
(2) Proof of legality and feasibility of the project:
1. Land use information: land transfer contract, red line map, paid land transfer fee invoice, state-owned land use certificate, construction land approval letter, construction land planning permit, etc. , and the land use right of the project has been obtained, and the termination time of land use right is longer than the loan termination time.
2. Construction application materials: project approval, fixed assets investment permit, planning and design scheme approval, construction project planning permit, construction project application review, construction permit, etc. All project application documents are complete, true and valid.
3. Other preliminary materials: project feasibility analysis report, cash flow analysis and forecast and development and sales progress plan; Pre-sale permit of commercial housing, construction contract, supervision contract, monthly report of construction progress, monthly report of supervision, etc.
4. Other prerequisites: the project budget and construction plan of the loan project comply with the relevant provisions of the state and local governments, and the total investment in the project budget can meet the needs of additional budget due to inflation and unforeseen factors before the project is completed; With a certain proportion of its own funds, it should generally reach more than 30% of the total investment in the project budget, and can be invested in the project construction before the bank loan.
What are the conditions for bank real estate license mortgage loan?
Legal analysis: the mortgage loan of real estate license shall meet the following conditions: 1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;
2. Hold valid identity documents; 3. Have a stable and legal source of income; 4. The mortgaged property has a real estate license with clear property rights and can be listed and traded; 5. Other conditions stipulated by the bank.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
Article 8 of the Measures for the Administration of Urban Real Estate Mortgage Registration The following real estates shall not be mortgaged: (1) Real estates with disputed ownership; (2) Real estate used for public welfare undertakings such as education, medical care and municipal administration; (three) buildings listed as cultural relics protection and other buildings with important commemorative significance; (4) Real estate announced according to law and included in the scope; (5) Real estate that has been sealed up, detained, supervised or restricted in other ways according to law; (six) other real estate that cannot be mortgaged according to law.
What are the requirements for bank real estate mortgage loan?
Bank housing mortgage loan requirements are as follows:
1. The mortgaged house should have obtained the house ownership certificate, and the mortgaged house must have clear property rights.
2. The borrower has complete disposition right and can register the mortgage;
3. The mortgagor must use the full value of the mortgaged house for loan mortgage;
4. The house can be legally listed and traded, and it is easy to realize. There is no such thing as:
5, dilapidated houses, illegal buildings or have been included in the scope of demolition; Property rights disputes;
6. The mortgage has been set; Has been leased to others and the property owner fails to notify the lessee in accordance with the provisions, which damages the interests of the lessee;
7. It is sealed up according to law or restricted in other forms.
8, stable work
In the case of collateral as a guarantee, the bank will lower the loan threshold, but it will still require the borrower to work in the current unit for half a year, which means that he must have a stable job.
Extended data:
Housing mortgage loan process:
1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower.
The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6 loan settlement, including normal settlement and early settlement.