Real estate development loans refer to medium and long-term project loans for housing, commercial buildings and other real estate development and construction granted to real estate development enterprises. The object of real estate loans is registered state-owned, collective, foreign-funded and joint-stock enterprises with real estate development and management rights.

the term of real estate development loans is generally not more than three years (including three years).

in principle, loans should be secured by mortgage or by pledge of government bonds, certificates of deposit and prepared letters of credit that the borrower has the right to dispose of, and the part with insufficient guarantee capacity can be secured by guarantee.