1, fund category: trust fund;

2. Loan requirements: The developer or its controlling shareholder has Grade II (or tentative Grade II) qualification and is located in the municipalities directly under the Central Government, provincial capitals, sub-provincial cities and regional prefecture-level cities in the Pearl River Delta, Yangtze River Delta and Bohai Bay;

3. Real estate: commercial real estate and residential real estate projects;

4. Collateral: the project under construction that has obtained four certificates, and the project that has obtained the pre-sale permit of commercial housing or the property ownership certificate;

5. Mortgage method: mortgage registration of projects under construction; Or go through the online signing and registration procedures; Or deal with all the houses.

Registration of other rights of warrants;

6. Loan term: 1-2 years;

7. Loan amount: more than 50 million yuan;

8. Mortgage rate: 40% of the assessed value of collateral;

9. Annual interest and expenses: 24-25%;

10, financing consultant fee: 2%;

1 1, loan operation time: 45-60 days for collective fund trust;

Second, the operating procedures

1. The project party shall provide the following front-end materials (effective and clear color scanning files in JPEG format) for preliminary review:

A loan application, indicating the enterprise profile, project profile, loan requirements, collateral and loan repayment plan;

B copies of the business license, loan certificate, qualification certificate of real estate development enterprise and ID card of the legal representative of the project party;

Articles of association of the project party;

D, collateral ownership certificate (state-owned land use right certificate, construction land planning permit, construction project planning permit, construction permit, commercial housing pre-sale permit, housing ownership certificate, etc.). );

E. Collateral value assessment report or pre-assessment data issued by the assessment agency (stamp is not required temporarily);

F. Provide a complete project feasibility report or project application report in the form of Word document, without affixing the company seal;

G, 20 10 annual audit report, 201annual audit report or financial statement, 201March financial report;

H The photos taken by digital cameras from multiple angles completely reflect the whole picture of the project site and surrounding environment, and the number of photos is more than 20.

1. According to the situation, for some projects, the controlling shareholder or affiliated company of the project party is required to provide loan guarantee, and the net assets of the company required to provide guarantee are greater than the amount paid by the project party. Business license, company profile, financial report of the previous year and financial statement of the latest month that need to provide loan guarantee.

2. After the capital party has passed the preliminary examination, the project party and the consultant sign a financing consultant contract;

3. The project party shall provide a full set of paper materials according to the List of Materials Required for Mortgage Loan of Real Estate Projects:

4. After the investor has approved the project data, the investor will visit the project site at his own expense to inspect the project progress and the status of the collateral.

5. The investor determines the financing plan and raises trust funds;

6. Issue trust funds to the project parties and supervise the use of funds.