Mortgage loan for operating property refers to the loan issued by the bank to the legal person of operating property, with the property owned by the bank as the mortgage, and the repayment source includes but is not limited to the operating income of operating property. Operating property refers to commercial business premises and office premises that have been completed and put into commercial operation, with abundant operating cash flow, good comprehensive income and stable repayment sources, including commercial premises, star-rated hotels, comprehensive commercial facilities (such as shopping malls and shops) and other commercial premises. In principle, the longest period shall not exceed 8 years. (Maximum 15 years) Extended data:
Conditions for operating real estate loan: 1. Open a basic account or general account in a bank with a loan certificate (card) and no bad credit record; 2. The credit rating of the Bank is above BB (inclusive), and the asset-liability ratio is not higher than 70% in principle; 3. It is in good operating and financial condition and has the ability to repay the principal and interest; 4. Have all the property rights of the operating property, and hold legal and valid land use right certificates and property ownership certificates; The way to obtain the certificate of land use right is the transfer of state-owned land; 5. The board of directors or decision-making body agrees to use its operating property as loan collateral; 6. Promise in writing that the intermediary business such as fund settlement, receipt and payment generated by property management will be handled in the bank, and accept the supervision of the bank on the income and expenditure of property management.