Real estate development loan
First, the basic conditions of loans
(1) Having the business license of enterprise as a legal person and the qualification certificate approved by the construction department or the certification document approved by the competent department;
(2) The management system is sound, the financial position is good, and the asset-liability ratio meets the requirements of the lender;
(3) Good credit and the ability to repay the loan principal and interest on schedule;
(4) Opening a basic deposit account or general deposit account with the lender or its agency;
(5) The accumulated amount of foreign equity investment of an enterprise as a legal person shall not exceed 50% of its net assets; When applying for medium and long-term loans, the proportion of the owner's equity of the new project enterprise as a legal person to the total investment required for the project shall not be lower than the proportion of investment project capital stipulated by the state.
(6) The borrower shall go through the annual inspection formalities with the administrative department for industry and commerce;
(7) There are guarantee measures approved by the lender;
(8) The granting of real estate development loans shall meet the following conditions:
1. The borrower has obtained the land use right of the loan project;
2 loan projects have been included in the national or local housing construction and development planning, and the project documents are complete, true and effective;
3. The application purpose of the loan project is consistent with its function and can effectively meet the needs of the local housing market;
4. The project budget and construction plan of the loan project comply with the relevant provisions of the state and local governments;
5. The total investment in the project budget of the loan project can meet the needs of additional budget due to inflation and unpredictability before the completion of the project;
6. The borrower's own funds to be invested in the loan project shall not be less than the prescribed proportion, and can be invested in the project construction before using the bank loan;
(9) The issuance of unit housing loans shall meet the following conditions at the same time:
1. The purchase of housing projects must be approved by the competent authorities and hold relevant supporting documents, so the project risk is relatively small;
2. The proportion of self-owned funds must reach more than 30% of the purchase price or the total investment of the project;
Second, the loan term and interest rate
The term of real estate development loans is generally not more than 3 years. The loan interest rate shall be implemented in accordance with the relevant provisions of the People's Bank of China.
Third, the loan method.
Loans can be granted in the form of credit loans, secured loans (mortgage loans, pledged loans and secured loans) and discounted bill loans.
Fourth, the loan procedure.
1. When applying for a loan, the borrower shall fill in the loan application form according to the provisions of the lender and provide relevant materials according to the loan conditions and requirements put forward by the lender.
2. The lender shall complete the loan evaluation and review within three months from the date of receiving the loan application and relevant materials, and make a formal reply to the applicant.
(3) When issuing real estate development loans, the borrower must handle effective construction insurance for the loan project; Where real estate is used as loan collateral, the borrower shall, before repaying all the principal and interest of the loan, insure the house accident insurance with the insurance company year by year according to the insured amount not less than the mortgage amount, and the insurance period shall be at least half a year longer than the loan period, and no conditions detrimental to the interests of the lender shall be attached.
When granting loans, the lender shall sign a loan contract with the borrower. The loan contract shall stipulate the loan type, purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed.
For loans issued by way of guarantee, the lender shall strictly examine the legality, validity and reliability of the guarantee in accordance with relevant laws and regulations, and go through relevant procedures.
Go directly to the bank for consultation with your conditions, because the bank has the final say. Generally, the purpose of examining loan eligibility is to see if you have repayment ability. According to what you said, I think you can get a loan to buy a house as long as you go to the bank to make it clear and prove your repayment ability to them.
These days, in fact, the certificate issued by the company is also deceptive. Hehe, you can apply for a loan if you want to open as much as you want. Then what can't you do? So the bank will check your actual solvency.
Bank of China's direct personal first-hand housing loan:
In order to help you handle the loan business smoothly, China Bank reminds you to prepare the following materials:
1, loan application;
2. Legal and valid identity documents (resident identity card, household registration book, military officer's card or other valid residence documents);
3. Proof that the down payment of the purchased house has been paid;
4. Proof of economic income;
5, the purchase of housing contracts, agreements or other valid documents;
6. Other supporting documents or materials required by China Bank.
repayment of loan
You can clearly stipulate in the loan contract that China Bank is authorized to take the initiative to deduct the loan principal and interest from your designated account on the agreed repayment date.
You can choose one-time principal and interest repayment method, equal principal and interest repayment method and average capital repayment method.
After the loan contract comes into effect, if you have sufficient funds, you can apply to China Bank for partial or full prepayment.
refinance
If the loan principal and interest cannot be repaid according to the original plan for various reasons, you can apply to China Bank for loan restructuring in advance, that is, adjust the loan term and repayment amount of each period to flexibly meet your financial needs.
The second is personal housing provident fund loans.
deadline
The loan term shall not exceed 30 years, and the borrower shall not exceed 65 years of age.
Credit line/quota/quota/ceiling
If the purchased house is affordable housing or commercial housing, the maximum amount of a single loan is 300,000 yuan, and it does not exceed 80% of the purchase price of the house; If the house you buy is a reformed house, the maximum single loan does not exceed 90% of the purchase price of the house.
In order to help you handle the loan smoothly, Bank of China reminds you to prepare the following materials.
1, loan application form;
2. Your household registration book, ID card or other valid proof of residence;
3, purchase contract or letter of intent and other related documents;
4. Letter from the housing provident fund management institution of your unit agreeing to the loan;
5. For customers who buy new commercial housing, please provide a copy of the commercial housing sales license of the sales unit; For the purchase of public houses, please provide a copy of the approval document of the higher-level housing reform management institution for the "house selling plan";
6. If there is mortgage or pledge, the guarantor agrees to the written certificate of guarantee and the guarantor's credit certificate;
7. In case of guarantee, the guarantor agrees to the written guarantee certificate and the guarantor's credit certificate;
8. The original and photocopy of the receipt that has paid more than 10% of the house purchase advance payment;
9. Other materials required by China Bank;
Loan guarantee letter
When applying for personal housing provident fund loans, you must provide real estate mortgage, pledge of rights, joint and several liability guarantee and other guarantee methods.
1. The real estate mortgage guarantee method refers to taking real estate as the guarantee of creditor's rights without transferring your possession of the real estate.
2. The right pledge means that you or the pledger take legal and effective property rights, such as national debt and other securities that meet the requirements as the guarantee.
3. The joint and several liability guarantee mode refers to the joint and several liability guarantee provided by a third-party legal person with guarantee qualification.
The guarantor must be a legal person with the qualification of guarantee (state organs, schools, hospitals and other public institutions and social organizations with the purpose of public welfare shall not be used as guarantors).
loan origination
Loans are issued by transfer, that is, after the loan contract comes into effect, China Bank will transfer the funds to the account of the selling unit according to the loan contract.
Loan repayment
Repay by monthly repayment method, that is, repay the loan principal and interest in full with the same amount every month within the loan period, and you can repay the loan principal and interest with the housing provident fund in your own or spouse's account.
In case of prepayment, the Bank of China shall be notified in writing one month before the scheduled repayment date; Interest is calculated according to the interest rate agreed in the loan contract and the actual loan period.
Third, enterprise housing loans.
deadline
The term of enterprise housing loan shall not exceed 10 year (including 10 year).
amount of loan
The loan ratio of enterprise housing loans shall not exceed 70% (including 70%), with a maximum of 6,543,800,000 yuan. The business of RMB 654.38+million is undertaken by the business department of the company.
loan rate
The enterprise housing loan interest rate shall be implemented according to the regular interest rate of the same grade stipulated by the People's Bank of China, and shall not be implemented according to the individual housing loan interest rate.
Materials to be provided for handling loans
1, loan application;
2. Business license of enterprise legal person or business license of enterprise legal person, code certificate of legal person and certification documents of legal representative;
3. Articles of Association and approval for establishment;
4. Relevant resolutions of the board of directors agreeing to purchase houses;
5. Proof of down payment;
6. Financial statements audited by accounting firms (financial statements of last year and recent years), loan card or loan certificate issued by China People's Bank;
7. The purchase contract or resolution signed with the developer;
8. List of collateral secured by the loan, certificate of ownership, certificate of mortgagee's consent to disposition and collateral valuation documents;
9. The developer proves that the borrower has purchased the auction house (the main structure of the multi-storey house must be capped, and the high-rise house must complete two-thirds of the total investment) or the unconfirmed housing construction and sales documents;
10. Other supporting documents or materials required by Bank of China.
Loan guarantee letter
The guarantee of legal person's house purchase loan must take the form of mortgage of purchased commercial housing and joint liability guarantee of developers by stages. The purpose of the purchased commercial house is temporarily limited to the employee housing of the legal person unit or the revolving house for personal use.
To apply for a mortgage loan, the mortgagee and the mortgagor shall conclude a written mortgage contract. Collateral and mortgage contract shall comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC). Collateral should first be the house owned by the mortgagor or the house purchased in advance; Secondly, the right to use state-owned land obtained by the mortgagor according to law and other effective property recognized by the lender can be used.
1. If the house is mortgaged by the auction house, the mortgagor and mortgagee shall go through the mortgage registration formalities at the real estate registration authority where the auction house is located with the legally binding pre-purchase house contract; At the same time, the seller will provide a guarantee, and after the auction house is completed and delivered for use, the formal mortgage registration will be handled with the real estate license.
2. If the existing house is mortgaged, the mortgagor and mortgagee shall register the mortgage with the real estate registration authority where the house is located with the house ownership certificate and obtain the house ownership certificate.
3. After the mortgage is established, all the documents (originals) that can prove the ownership of the mortgaged property and the insurance policy (originals) of the mortgaged property shall be kept by the mortgagee and bear the responsibility for keeping them. After receiving the above documents, the mortgagee shall issue a certificate of custody. The collateral is in the hands of the mortgagor. Before the principal and interest of the mortgage loan are paid off, the mortgagor shall not mortgage, lease, sell, donate or otherwise dispose of the collateral again without the consent of the mortgagee, and ensure the safety and integrity of the collateral, and accept the supervision and inspection of the mortgagee at any time.
4. If the collateral is inherited or bequeathed, the successor and legatee must provide relevant legal documents and sign relevant supplementary documents with the lender, and take full responsibility for the unfulfilled part of the original contract.
5. If the house ownership is mortgaged, the mortgage contract shall take effect from the date of registration of the mortgaged property.
loan origination
Within 5 working days from the effective date of the mortgage/pledge contract or guarantee contract, Bank of China will transfer the loan to the special account of the developer or seller designated by you in one lump sum or in installments according to the loan contract, which will be supervised and used by Bank of China.
Loan repayment
If your loan term is within 65,438+0 years (including 65,438+0 years), you can repay the loan principal and interest in one lump sum on a monthly (quarterly) or due basis. If your loan term exceeds 65,438+0 years, you have to repay the loan principal and interest on a monthly (quarterly) basis. The specific repayment methods can be equal principal and interest repayment method (monthly) and average capital repayment method (quarterly). Only one repayment method can be selected for a loan, and the repayment method cannot be changed casually after the contract is signed.
After the loan contract comes into effect, if you have sufficient funds, you can apply to China Bank for partial or full prepayment 15 working days in advance, and China Bank can charge a certain percentage of liquidated damages according to the prepayment amount.
Rollover loan
If the loan term is within one year and the principal and interest of the loan are repaid in one lump sum, and the principal and interest of the loan cannot be repaid within the time limit stipulated in the contract for various reasons, you can apply to the Bank of China for extension 30 working days in advance. After the application for extension is examined and approved by Bank of China, both parties shall sign an extension agreement. The extension agreement must be agreed in writing by the mortgagor (pledgor) and the guarantor, and the mortgagor (pledgor) shall go through the extension registration and insurance procedures; If the loan is repaid in installments, it may not be extended, but both borrowers and borrowers may negotiate to restructure the loan.
If the loan principal and interest cannot be repaid according to the original plan for various reasons, you can apply to China Bank for debt restructuring 30 working days in advance, that is, adjust the loan term and repayment amount of each installment. In principle, loan restructuring shall not exceed once.
You can look at the website of Bank of China, and all kinds of loan-related matters are very clear.
References: