Core Tip: Operating property mortgage loan is a loan that takes the stable cash flow generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for the expansion, reconstruction and decoration of the above operating assets.

Bian Xiao also asked the person in charge of the Industrial and Commercial Bank of China because the mortgage loan for operating real estate just started. Operating property mortgage loan is a loan that takes the stable cash flow (including but not limited to fee income, rental income and operating income, hereinafter collectively referred to as operating income) generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for the expansion, reconstruction and decoration of the above operating assets.

To put it bluntly, the operating real estate mortgage loan is a loan with the commercial house in your hand as the mortgage, and then the income from this door as the first repayment source. Seeing this, there must be a creative friend complaining about Bian Xiao, saying that such a large set of commercial real estate mortgage loan has nothing to do with small owners like me. Bian Xiao tells you that the relationship is big!

Entrepreneurs must pay attention to this sentence, because the shopping malls mentioned in the operating real estate mortgage loan include shops in the commodity trading market! This threshold has been lowered very low!

Industrial and commercial bank of China operating real estate mortgage loan

It is worth mentioning that the real estate mentioned in the operating real estate mortgage loan is exquisite. Refers to the commercial premises and offices that have been built and put into commercial operation, with standardized management, stable operating profit, abundant cash flow, stable repayment sources, clear and complete property rights and good comprehensive income, including shopping malls (including shops in commodity trading markets! ), commodity trading markets, office buildings, star-rated hotels, hotels, warehouse facilities, factory comprehensive commercial facilities, etc.

By the way, in principle, the occupancy rate of hotels is better than 60%, the occupancy rate of office buildings is higher than 70%, and the occupancy rate of trading markets is higher than 80%.

Generally speaking, the amount of operating property mortgage loan will be determined after comprehensive consideration of the borrower's financing needs, existing financing and other related factors, and it must be the most reasonable amount within the maximum credit line.

The term of mortgage loan for operating property shall not exceed 5 years (including 5 years), and the maturity date of the loan shall be at least 3 years (including 3 years) earlier than the termination date of operating assets of the borrower, and at the same time at least 3 years (including 3 years) earlier than the termination date of operating assets.

2. What is the loan term of the post bank's operating property mortgage loan?

The term of mortgage loan for operating real estate is generally 5 years, the longest of which shall not exceed 10 year, and shall not exceed the statutory operating period or term of the borrower; When the loan term expires, the mortgaged property should still have a reasonable remaining service life, which should not be less than 10 year in principle.

3. What is an operating property loan?

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. (up to 15 years) 4. How long is the term of mortgage loan for operating property?

Loan conditions of mortgage loan:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

If the newly purchased house is used as the maximum mortgage, there must be a legal and effective purchase contract, and 30% of the total price of the purchased house should be paid down 10 year;

The purchased mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the house used as mortgage has been obtained within 10 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.