Fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for medium and long-term local and foreign currency loans for the construction, purchase and transformation of fixed assets projects and the construction of corresponding supporting facilities.

Mortgage loan for enterprise commercial houses refers to the loan issued by the lender to the borrower for purchasing self-operated commercial houses and self-occupied office houses.

Fixed assets loans are divided according to the nature of the project, the nature of the enterprise and the different stages of product development and production. There are mainly the following types of loans:

Capital construction loan

Technical transformation loan

Science and technology development loan

Loan for commercial network facilities

Fixed assets loan application conditions:

Holding a business license of an enterprise legal person that has passed the annual inspection by the administrative department for industry and commerce, and a legal person of a public institution holding a legal person qualification certificate;

Open a basic account or general deposit account in a bank;

Fixed assets loan projects are in line with national industrial policies and credit policies;

Holding a loan certificate/card issued by the People's Bank of China;

The loan applicant has good economic benefits, good credit status, strong solvency and perfect management system;

Implementing the guarantee approved by the bank;

The proportion of funds stipulated by the state;

The project has been approved by the relevant government departments, the supporting conditions are complete, and the sources of imported equipment and materials are implemented;

Those who apply for foreign exchange fixed assets loans must hold import certificates or registration documents.

Legal person mortgage loan application conditions:

Having a business license as a legal person or a certificate approved by the relevant department, having a sound management system and a good financial position;

Have a loan certificate and open a basic account or general deposit account with our bank;

The borrower has good credit and the ability to repay the loan principal and interest on schedule;

There is a valid guarantee recognized by our bank;

There is a contract or agreement for the purchase of commercial or office buildings;

The price of the purchased commercial house or office building is basically the same as the price assessed by the lender or its entrusted real estate appraisal agency;

Self-raised funds shall not be less than 40% of the total purchase price.