I. Types of loans According to different development contents, there are the following types of loans for real estate development: 1. Housing development loans refer to loans issued by banks to real estate development enterprises for the development and construction of housing for market sales. 2, commercial housing development loans, refers to the bank to real estate development enterprises for the development and construction of market sales, mainly for commercial activities rather than family housing loans. 3. Land development loans refer to loans for land development issued by banks to real estate development enterprises. 4. Working capital loans for real estate development enterprises refer to loans that real estate development enterprises need to apply for and have nothing to do with specific projects. Because it is still used to support real estate development, such loans are still real estate development loans. II. Application Conditions In addition to the requirements for general loans, borrowers applying for real estate development loans should also meet the following conditions: 1, and have a business license as an enterprise legal person. 2. The land use right of the loan project has been obtained, and the termination time of the land use right is longer than the loan termination time. 3, has obtained the loan project planning investment permit, construction permit, construction permit, export building permit, and has completed the project procedures, and all project documents are complete, true and effective. 4. The application purpose of the loan project is consistent with its function, and it can effectively meet the needs of local urban planning and real estate market. 5. The project budget and construction plan of the loan project comply with the relevant provisions of the state and local governments. The total investment in the project budget can meet the needs of additional budget due to inflation and unpredictability before the project is completed. 6, with a certain proportion of its own funds (generally should reach 30% of the total investment in the project budget), and can be put into the project construction before the bank loan. 7. Open an account in a bank to maintain normal business dealings. 8. The developer must insure the real estate under construction, and the first beneficiary is the loan bank. Three. Loan process 1. When applying for a loan, the borrower should first fill in the loan application form and provide relevant information according to the loan conditions and requirements put forward by the lender. 2. After accepting the borrower's application, the bank shall, according to the procedures stipulated by the bank, designate investigators to investigate whether the borrower meets the loan conditions, evaluate the feasibility and budgetary estimate of the project, and determine the loan risk. Put forward opinions on loan and non-loan, loan amount, term, interest rate and guarantee method. 3. The bank examiner shall examine and verify the investigation report, evaluation report and the data and documents provided by the investigators, and put forward the examination opinions. On the basis of investigation and review, the bank will approve the loan. The examination and approval authority of commercial housing development loans shall be implemented in accordance with the relevant provisions on medium and long-term loan authorization issued by banks. 4. If the lender agrees to the loan, it shall sign a loan contract with the borrower in accordance with the provisions of the general loan rules, and strictly review the legality, validity and reliability of the guarantee in accordance with relevant laws and regulations, and go through relevant procedures.

How do real estate developers get loans?

You can apply for a mortgage.

Method:

1. After obtaining the land use right, mortgage the Land Use Certificate to yh.

2. Take some houses that have been capped but have not been sold or are difficult to sell as mortgage for yh's construction in progress.

3. Apply for real estate licenses for houses that have reached the delivery standard but are unsalable, and then get yh for mortgage.

4. Under the current situation that banks are tightening monetary policy, mj loans (with high interest) can be appropriately selected.

5. If there is a certain scale, you can choose to go public for financing.

Mortgage loan means that the debtor legally transfers the ownership of the property to the creditor, but the creditor does not own the property. Once the debts secured by the property are paid off, the transfer of property ownership will be terminated. The purpose of establishing mortgage is mainly to ensure that creditors enjoy the priority of repayment when they fail to perform their debts, which is realized by setting the physical form of collateral as value. Therefore, mortgage is a legal guarantee behavior that takes the physical form owned by the mortgagor as the main body of mortgage and takes the way of not transferring ownership and use right as the debt guarantee.

A bank loan legally obtained by a borrower with his own property ownership as collateral is called a mortgage loan. The borrower takes a certain amount of collateral as an item to guarantee the loan obtained from the bank. It is a loan form of capitalist banks, and the collateral usually includes securities, China bonds, various stocks, real estate, and bills of lading, warehouse receipts or other documents that prove the ownership of goods.

What is the basic process of real estate project development loan?

The basic process of real estate project development loan is as follows:

1. Submit the application

Step 2 be investigated

3. Project evaluation

4. Verification and approval

Step 5 go through the formalities

6, data archiving

7. Post-loan management

8. Loan collection and insurance surrender.

Article 10 of the Measures for the Administration of Real Estate Development and Construction Loans of Agricultural Bank of China (Trial): Real estate development enterprises or construction and installation enterprises directly submit a written loan application to the bank, stating the loan amount, currency, term, purpose, loan method, guarantee method, repayment source and repayment ability, etc.

Article 11 If a bank agrees to accept a loan application and apply for a real estate development loan, it shall notify the developer to formally fill out the Application for Fixed Assets (Medium and Long-term) Loan; Apply for construction and installation loans, which are short-term loans according to the term of funds, and notify the construction and installation enterprises to formally fill out the "application form for working capital (short-term) loans" and the borrowing enterprises to formally fill out the "application form for fixed assets (long-term) loans".

Article 13: The loan investigation department shall not only investigate the investigation contents stipulated in the loan management system and loan operation rules of Agricultural Bank of China, but also investigate and determine the legality of real estate development loans:

(1) Real estate development qualification. Mainly investigate whether the borrower's business license is true and valid, and whether the business scope stipulated in the license includes real estate development, real estate sales and other projects.

(two) the effectiveness of the development qualification certificate. Investigate whether the developer's development qualification grade certificate is true and effective, and whether it has been inspected by the competent department.

(three) the authenticity and validity of the land transfer contract. Should investigate whether the land transfer contract is true and effective, and whether the land planning red line map has been approved.

(4) Integrity of legal documents. We should investigate whether the land transfer fee of the project location has been paid, and whether the state-owned land use certificate, construction land planning permit, construction project planning permit and construction project construction (opening) permit are complete and effective; If the pre-sale has started, whether it holds a valid "Pre-sale Permit"; Whether the above documents are temporary.

(5) Compliance of loan purposes. We should investigate whether the development of loan projects conforms to the relevant laws, regulations and policies of the state. For those involving the conversion of agricultural land to construction land, it is necessary to investigate whether the approval procedures for the conversion of agricultural land have been gone through, and whether the land has been "speculated" in disguised form by changing the use of agricultural land for real estate development or construction projects, planning permission, red line map transfer, etc. If the collectively owned land is used for real estate development in the urban planning area, it shall be investigated whether it can be sold with compensation after being requisitioned and converted into state-owned land according to law.

(six) the legality of the agreement or contract for construction and joint construction.

(seven) for affordable housing development projects, but also to investigate whether the project is included in the national annual investment plan and credit plan for affordable housing construction, whether the tax reduction and exemption documents are true and effective, and whether the allocation of land is legal.

(8) Legality of collateral.

According to the relevant laws and regulations on real estate management, the following real estate shall not be used for mortgage:

1. Illegal buildings and houses and facilities that have been included in the scope;

2. Military facilities;

3. The land use right obtained by means of transfer can be recovered free of charge after two years of development;

4. The right to use state-owned land has been mortgaged and registered with the above-ground house ownership, and the above-ground house ownership has been mortgaged and registered with the right to use state-owned land.

According to the relevant restrictions on real estate transfer in the Real Estate Law, the following real estate should be avoided as collateral:

1. Failing to pay all the land use right transfer fees as agreed in the land transfer contract and obtaining the land use right certificate;

2 in accordance with the land transfer contract for investment and development, which belongs to the housing construction project, and the total investment is not completed more than 25%, which belongs to the development of a piece of land and has not formed the conditions of industrial land or other construction land;

3. The collectively owned land in the urban planning area has not been converted into state-owned land.

To investigate the legality of construction and installation loans, in addition to the investigation contents stipulated in the Agricultural Bank loan management system and loan operation procedures, it should also be investigated and determined:

(1) Construction and installation qualification. Mainly investigate whether the borrower's business license is true and valid, whether the business scope stipulated in the license includes construction, installation, decoration and other projects, and whether the business license has gone through the annual inspection procedures of the administrative department for industry and commerce.

(two) the validity of the qualification certificate of the construction enterprise and the legality of the construction activities. It shall investigate whether the qualification grade certificate of the construction enterprise is valid, whether it has been inspected by the competent department, whether its construction activities are beyond the business scope permitted by the qualification grade of the enterprise, and whether it undertakes projects in the name of other construction enterprises.

(3) Construction permit for foreign enterprises. It should be investigated whether the construction and installation enterprises registered in other places hold the permit to enter local construction projects, and whether the permit is true and valid.

(4) The bid winning and construction contracts and agreements provided by the construction and installation enterprises are true and effective.

(5) It conforms to the actual purpose of the loan. Whether it is used for prohibited projects listed in national policies such as pre-contracting.

Twentieth real estate development loans and long-term loans for construction and installation should be verified and issued one by one, and the loan issuance procedures should be handled one by one according to the needs of engineering design and actual construction progress.

Conditions and process of real estate project loan

In my impression, real estate developers are nouveau riche, and they must be super rich. Look at Wanda Group again. However, many real estate development projects also need loans to complete. Real estate development loans refer to loans issued to real estate development enterprises for housing construction and land development. So what are the conditions and procedures for real estate project loans?

First, the conditions of real estate development loans

(a) to open a basic settlement account or a general deposit account in China Construction Bank, and to settle all or part of the operating income and expenses in China Construction Bank;

(two) normal production and operation, sound management system, good financial situation;

(3) It has a good reputation and the ability to repay the loan principal and interest on schedule;

(4) Being able to provide sufficient and effective mortgage, pledge or guarantee with high credit rating;

(five) the development and construction projects can effectively meet the local housing development market demand through feasibility prediction, analysis and demonstration, and the market sales are good;

(six) the development and construction projects have been incorporated into the national or local housing construction development plan, and the project documents are complete, true and effective;

(seven) has obtained the land use right of development and construction projects;

(eight) the project budget and construction plan of the development and construction project conform to the relevant provisions of the state and local governments;

(nine) the borrower intends to invest in the development and construction projects of its own funds not less than the prescribed proportion.

Two. The operation process of real estate development loan is as follows:

Submit application-accept investigation-project evaluation-approval-formalities-archives-post-loan management-loan collection and surrender.

The number of loans for general real estate projects will not be small. For such a large loan, the review and issuance process is definitely stricter than that of ordinary personal loans. Finally, after the loan review department verifies all loan procedures such as the loan contract and related agreements, the loan transfer voucher will be filled in by the loan officer, which will be submitted to the accounting department after being approved by the borrower step by step. According to the specific conditions and relevant agreed terms, the funds will be directly transferred to the borrower's account of the loan bank in stages.

How to apply for a real estate development loan? Need this information!

Every bank has many loan products. Loans for developing and building real estate projects and selling and leasing them to the market are called real estate development loans, and the Postal Savings Bank also has similar products. Today, let's introduce how to apply.

Applicable object

An enterprise legal person with loan qualification and real estate development qualification approved and registered by the industrial and commercial administration or the competent authority.

deadline

In principle, not more than three years.

loan rate

With the benchmark interest rate of loans of the same term and grade determined by the People's Bank of China as the benchmark, floating appropriately.

Repayment method

Repay according to the sales progress, and repay the principal at least once in the second half of the payment period.

Processing channel

You can do it at the local branch of Postal Savings Bank, which provides corporate credit services.

Treatment process

Application → field investigation → examination and approval → signing contract → implementing examination and approval conditions → loan issuance and disbursement.

Application material

1. Organization code certificate, business license, tax registration certificate after annual inspection, basic account account opening permit, valid identity certificate of legal representative or power of attorney of legal representative; Articles of association and password of the company's credit card; Qualification certificate of real estate development enterprise;

2, nearly three years of annual financial reports and the first phase of financial statements (including notes);

3, reserved signature card, the legal representative and authorized agent signature style;

4, real estate project approval or filing approval;

5. Necessary permits or approval documents such as project EIA approval, state-owned land use right certificate, construction land planning permit, construction project planning permit, construction permit, and pre-sale permit for commercial housing;

6, the implementation of the financing plan and sources of funds;

7. Other materials required for handling loans.