Operating property loans can be used for the reasonable capital requirements of the borrower's production and operation, including the replacement of debt funds formed by the borrower for the construction or purchase of the property, project capital and value-added funds exceeding the specified proportion in the property value, operating funds such as maintenance, renovation, decoration and investment promotion of the property during the operation period, and the replacement of existing operating property loans. , shall not be used for investment fields and purposes prohibited by the state, nor shall it be used to repay non-performing loans or illegal loans of banks.

Operating property loan project conditions:

(a) the operating property shall meet the requirements of the planning of commercial outlets or industrial planning in each city, and has been put into commercial operation after passing the comprehensive acceptance and completing the real estate license; (two) the geographical location is superior, and the property should be located in the central business district, central business district or development zone and other urban economic centers. The area where the property is located has convenient transportation, abundant people flow, logistics and vehicle flow, and a strong business atmosphere or intensive industrial resources. The location requirements of the business properties where the world's top 500 enterprises settle in can be appropriately relaxed;

(three) the hotel property should be four-star (inclusive) or above, or although it has not obtained star certification, it should be built according to the standard of four-star (inclusive) or above; Economical hotels and serviced apartments should be managed by well-known hotel management companies at home and abroad, with an average annual occupancy rate of not less than 80%; The office property shall be an office building of Grade A or above; The property right area of the commercial house (the mortgage area of our bank) is not less than 1 000 square meters in principle; The mixed format property shall meet at least one of the above conditions;

(4) The nature of industrial storage property land should be industrial land, the type of land use right is transfer, and the form of property construction is standard industrial workshop, R&D base building, storage building and related supporting facilities, with a property area of not less than 50,000 square meters;

(five) accurate positioning of the operating property, stable operation and good rental market prospects; Market value and rental price are stable or have an upward trend; Strong liquidity, which is conducive to overall disposal.

The above information is for reference only. Please consult your local Agricultural Bank for details.