For the smooth progress of the project, many real estate developers will borrow money from banks or other financial institutions. So how to apply for a real estate enterprise loan? What materials do real estate enterprises need for loans? Let's take a look with Bian Xiao!
How to handle loans for real estate enterprises;
1. The applicant brings relevant information to the bank to apply for a loan.
2. The bank will conduct a preliminary examination after receiving the information, and accept the application after passing the examination.
3. The bank conducts pre-lending investigation, completes internal approval procedures, and notifies the approval results.
4. After approval, the borrower and the borrower sign a loan contract.
5. The borrower implements the guarantee and goes through the formalities of guarantee, mortgage and pledge.
6. The bank issues the loan to the borrower's account.
What materials do real estate enterprises need for loans?
1. ID card, household registration book and marriage certificate of the borrower and spouse.
2. Business license of enterprise legal person, organization code certificate and tax registration certificate.
3. Financial statements for the last two years and the latest monthly statements.
In the past six months, banks have been running water for the public or private banks.
5. Other information required by the bank.
Real estate enterprise loan conditions:
1. It is necessary to obtain the approval of the competent department of real estate industry, register with the Industrial and Commercial Bureau, obtain the business license of enterprise legal person, and obtain the qualification grade certificate of real estate development enterprise.
2. Open a basic account or ordinary account in a bank.
3. Development projects and their qualification levels.
4. The project development procedures are complete and effective, and the land use right certificate, construction land planning permit, construction project planning permit and construction permit have been obtained. In addition, the land transfer fee should also be paid.
5. The use function of the project is consistent with the planned use, and it has a good market rental and sales prospect.
6. The project budget and construction plan of this project comply with relevant regulations.
7. The purpose of the loan is in line with relevant national laws and policies.
8, the project capital reached more than 35% of the total investment in the project budget.
The article concludes: Well, the knowledge about how to handle real estate enterprise loans and what materials are needed for real estate enterprise loans is introduced here. If you need more information, please continue to pay attention to Qijia. We will provide you with better and more exciting content in the future.
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