Development loans generally refer to loans to develop natural resources, which are characterized by long payback period. Once the loan is invested, it cannot be moved or removed, and it is difficult to transfer or sell. Loans are mainly used to expand reproduction, March into production breadth and form new production capacity. This kind of loan will be very cautious when it is issued. Usually, scientific demonstration and feasibility study are needed from the aspects of economy, ecology and technology before issuance, so as to accurately predict its benefits and prevent losses caused by blind lending.

Individuals can apply for loans directly from banks. After submitting the information according to the requirements of the bank, the bank will review it and get the loan after meeting the requirements of the bank. It should be noted that the loan amount and interest rate given by different loan types are different. Users must repay the loan on time after handling it, and there can be no overdue repayment, because credit information will be recorded after overdue repayment, and penalty interest will appear, which will increase the burden of subsequent repayment.

According to the different development contents, there are the following types of development loans:

1. Housing development loans refer to loans issued by banks to real estate development enterprises for the development and construction of market-oriented houses.

2, commercial housing development loans, refers to the bank to real estate development enterprises for the development and construction of market sales, mainly for commercial activities rather than family housing loans.

3. Land development loans refer to loans for land development issued by banks to real estate development enterprises. (This business type has been stopped. According to the Notice on Standardizing Land Reserve and Fund Management (Caizong [2065438+06] No.4) jointly issued by the Ministry of Finance, the Ministry of Land and Resources, the People's Bank of China and the China Banking Regulatory Commission in 20 16, all localities are not allowed to raise funds from banking financial institutions since 2016. )

Application conditions

In addition to the general loan requirements, the borrower applying for a real estate development loan shall also meet the following conditions:

1. has a business license as an enterprise legal person.

2. The land use right of the loan project has been obtained, and the termination time of the land use right is longer than the loan termination time.

3. The planning investment permit, construction permit, construction permit and pre-sale permit of commercial housing for the loan project have been obtained, and the project establishment procedures have been completed, and all project documents are complete, true and effective.

4. The application purpose of the loan project is consistent with its function, and it can effectively meet the needs of local urban planning and real estate market.

5. The project budget and construction plan of the loan project comply with the relevant provisions of the state and local governments. The total investment in the project budget can meet the needs of additional budget due to inflation and unpredictability before the project is completed.

6, with a certain proportion of its own funds (generally should reach 30% of the total investment in the project budget), and can be put into the project construction before the bank loan.

7. Open an account in a bank to maintain normal business dealings.

8. The developer must insure the real estate under construction, and the first beneficiary is the loan bank.