Let's look at the real estate development loan: it refers to the housing construction projects such as housing, commercial housing and comprehensive housing that are issued to real estate development enterprises for external sales, leasing and other purposes, as well as the loans for land development projects authorized or entrusted by the government for paid transfer or transfer.
In the introduction of fixed assets loans in China, it is clearly pointed out that fixed assets loans can be divided into capital construction loans, technical transformation loans, real estate development loans and other fixed assets loans according to their purposes.
Conclusion: Real estate development loans belong to fixed assets loans.
Extended data:
Bidding procedures
1. Submit the application. The borrower shall submit the loan application form and relevant materials required by the bank, including business license, articles of association, financial reports for the last three years, project initiation and approval documents, project economic benefit analysis, repayment plan, etc.
2. Pre-loan evaluation. The bank conducts pre-loan investigation and evaluation, investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral and guarantor, and forms an evaluation opinion.
3. sign the contract. If the bank considers it feasible after investigation and approval, the two parties reach an agreement on the terms of the loan contract, mortgage contract and guarantee contract, and the parties sign the contract.
4. Implement the guarantee. After signing the loan contract with the bank, the borrower shall implement the third-party guarantee, mortgage, pledge and other guarantees, go through the formalities of guarantee registration, notarization or collateral insurance, and deposit the pledge in the bank.
5. Loan acquisition. The borrower completes the relevant procedures before the bank issues the loan, and the loan contract becomes effective. The bank can give you a loan, and you can use the loan according to the purpose stipulated in the contract.
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