For the transformation of shanty towns, the state has been increasing the intensity of rectification. If all contracting departments want to transform such a large area of shanty towns, they naturally need households instead of huge funds, that is, loans. Then, the specific provisions of the shantytown renovation loan are as follows.
Letter of credit clause
1. Relevant documents have been obtained that the district, city, municipal government or its authorized district government has granted the right to engage in the renovation of honest shanty towns.
2. The credit rating is above A+ or A+, the actual income capital is above 50 million yuan, or the owner's equity is above 200 million yuan, and he must have the qualification of real estate development; If the borrower is a project company, the paid-in capital or owner's equity should be more than 50 million yuan, and the controlling shareholder must meet the above requirements.
3. The borrower or the controlling shareholder of the borrower has many years of experience in real estate development, has cooperated with the loan bank for many years, has high loyalty and integrity, and has good brand and market influence.
4, clear property rights, sound corporate governance structure, very standardized management, strong economic strength, of course, its financial situation is also good.
5. Having a business license as an enterprise legal person and having gone through the annual inspection procedures.
6. Have a loan certificate or card, open a basic account or general account with our bank, and have no bad credit record.
7. Other relevant conditions.
The loan project must meet the following conditions
1, which conforms to the overall urban development plan and is included in the annual government shantytown renovation plan, and has obtained the approval documents of the relevant government departments for the transfer plan.
2. It is necessary to sign a demolition compensation and resettlement agreement with the owners with a construction area of over 95% (inclusive), and also ensure that the house demolition permit can be obtained.
3. The fund of this project can't account for 30% of the total cost of Hell Project, and it must be put into use before the loan is issued.
4. The location of the project should be good, the surrounding facilities should be complete with pigs and dogs, and the transportation should be convenient enough. It is expected that the sales prospects are good, the profitability is strong and the repayment sources are sufficient.
5. After the shantytown renovation and demolition is completed, the commercial housing should be developed, built and sold with the borrower in the project plot.
6. Relevant requirements of other lenders.
Information provided by the borrower at the time of loan.
1. Relevant documents of shantytown renovation authorized by the government.
2. The borrower's business license, organization code, development qualification grade certificate and annual inspection certificate of the latest year.
3. The borrower's capital verification report and articles of association.
4. The borrower's loan certificate or payment card
5. The financial statements for the last three years and the financial statements for the last January.
6, the board of directors or its corresponding decision-making body agreed to the loan resolution.
6. Other information
Other detailed rules
Term of loan: in principle, it shall not exceed one year, and it shall be reasonably determined under special circumstances.
Loan amount: calculated according to difficulty, engineering quantity, etc.
Loan interest rate: in accordance with the relevant provisions of the People's Bank of China.
Guarantee method: mortgage, pledge or guarantee can be used.
Loan repayment: the repayment method of paying interest on a monthly, quarterly, semi-annual and annual basis.
The specific implementation regulations of shantytown renovation are generally like this. No matter from which aspect, shantytown renovation will be a way to improve our quality of life.
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