I. Types of real estate development loans 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. Two. Loan procedures for real estate development 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.

2. What are the main policies of the state for real estate development loans?

The state does not allow loans to develop.

3. What is the policy basis that personal loans cannot be used for real estate development?

For real estate enterprise loans, personal loans cannot be used for real estate development. If you apply for a personal loan from a bank on the grounds of loan use and other development, the bank will not approve it.