For investment projects that mainly use loans from commercial banks, investors should deposit their capital in their main lending banks according to the number of years they should be in place; Investment projects that mainly use loans from the China Development Bank shall deposit funds in banks designated by the China Development Bank.
The capital of an investment project can only be used for project construction, and shall not be used for other purposes or withdrawn. After the relevant banks have promised loans, they should issue loans in years according to the construction progress of investment projects and the availability of funds.
2. What is the proportion of self-owned funds of the project loan?
The proportion of self-owned funds in project loans is the proportion of principal operation and total investment of investment projects, which is determined according to the economic benefits of different industries and projects. Therefore, this term is also very uncommon and will only appear in some financial news. It is understandable that many small partners don't understand. Regarding the proportion of self-owned funds for project loans, the proportion of self-owned funds is introduced in detail. For the commercial housing industry, the proportion of project capital refers to the proportion of funds owned by developers to all their development funds. After the proportion of self-owned funds is reduced, it means that the loan threshold of developers is lower, and more loans can be borrowed with less funds, which enhances the confidence of enterprises. In order to cope with the financial crisis and expand investment and consumption, the State Council announced that it would reduce the minimum capital ratio of ordinary commodity housing projects from 35% to 20%. The decrease in the proportion of developers' own funds means that real estate developers have higher loan threshold and lower leverage ratio. At the same time, developers using land to mortgage loans to banks have also been listed as the object of risk prevention and control by the regulatory authorities. Why do you need to invest yourself when you have a loan? This is because you can't apply for a loan in full when investing in a project. Investors must invest part of it, otherwise you can't apply for a loan, and the bank will think that you have no repayment ability. If you want to invest in a project, you must pay part of your own money in the early stage to build this project, and then apply for a loan from the bank with this result. The bank will review this achievement, predict its future development trend and profit, and then approve your loan application. And if the future development trend of this project is better, then your loan amount will become higher and the bank will give you more loans. Therefore, the proportion of self-owned funds in project loans is necessary. Without this self-owned fund, the bank will not agree to the loan application of the enterprise, and you will have no money to invest in this project.
Three, the project capital ratio and how to use the loan?
Different projects have different requirements for the proportion of funds. According to the Measures for the Administration of Fixed Assets Loans, the capital ratio shall not be lower than the loan ratio, that is, the capital shall be used first, and then the project loan shall be used. However, in practice, loans can usually be used only after all the capital is in place.
Fourth, how to calculate its own funds?
The funds of an enterprise are divided into self-owned funds and borrowed funds according to the sources they obtain. The so-called self-owned funds refer to the part of funds that enterprises often hold for production and business activities and can use at their own disposal without repayment. Due to the different ownership forms and financial management systems of the loan capital industry, it is the self-owned capital composition of the enterprises affiliated to the Canal: (1 political appropriation, free transfer of fixed assets, etc.). ; (2) Part of it comes from internal accumulation of enterprises, that is, various special funds paid from costs and after-tax profits according to state regulations; (3) In addition, according to the relevant system and settlement, some funds can be used in advance. For example, taxes payable, profits payable, accrued expenses and some ministries that have a long production cycle and are often used according to the completion schedule are regarded as the company's own liquidity to participate in the turnover. (2) The self-owned funds of collective enterprises mainly come from the accumulated provident fund, public welfare fund and other special funds. In western countries, private enterprises' own funds mainly come from shareholders' investment and undivided shares of enterprises.