1) application conditions
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.
2) Processing channels
You can do it at the local Postal Savings Bank branch that provides corporate credit services.
3) treatment process
Application → field investigation → examination and approval → signing contract → implementing examination and approval conditions → loan issuance and disbursement.
4) Application materials
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.
5) What is the maximum amount?
The loan amount, term, interest rate and repayment method that customers can obtain are comprehensively decided by the Postal Savings Bank according to their personal credit status.
Warm reminder: The specific business is subject to the announcements and regulations of local outlets, and the final interpretation right belongs to China Postal Savings Bank.
Introduction of loan methods and project conditions for commercial housing development?
Commercial housing development loan
First, the product concept
Commercial housing development loans refer to loans issued to borrowers for the construction of commercial projects such as hotels, office buildings, large shopping centers and their supporting facilities.
Non-residential investment accounts for more than 50% (inclusive) of the total investment of comprehensive real estate projects, and its loans are regarded as commercial housing development loans.
Second, the borrower's conditions
1. An enterprise legal person approved and registered by the administrative department for industry and commerce and qualified for real estate development and operation;
2. If the borrower is a comprehensive real estate development enterprise, its real estate development qualification shall be above Grade II (inclusive), and the paid-in capital shall be no less than 654.38+0 million yuan (inclusive) or the owner's equity shall be no less than 200 million yuan (inclusive);
3. If the borrower is a project company, its paid-in capital or owner's equity shall not be less than 50 million yuan (inclusive), and its holding company's paid-in capital or owner's equity shall comply with the provisions of paragraph 2 of this article, and it is agreed to provide guarantee for timely raising project construction funds when the project is completed on schedule and the project cost exceeds the budget.
Three. Project conditions
1. Suitable for commercial projects such as hotels, office buildings, large shopping centers and their supporting facilities;
2. Located in the bustling business district or central business district, with superior geographical location, convenient transportation, reasonable planning and design, and complete supporting facilities;
3. The project is legal, with state-owned land use certificate, construction land planning permit, construction project planning permit and construction project construction permit;
4. The borrower's own funds invested in the project shall not be less than 50% (inclusive) of the total investment of the project and shall be put in place before the loan funds are put in place;
5. The project is expected to have a good market prospect, and the hotel (hotel) project has been managed by a well-known brand hotel management company;
6. The expected net cash flow of the project is sufficient, and the source of loan repayment is stable and reliable.
Fourth, the loan method.
Loans should be secured. In principle, mortgage guarantee or pledge guarantee such as treasury bonds, certificates of deposit and covered letters of credit that the borrower has the right to dispose of shall be adopted. Where the guarantee ability is insufficient, the way of guarantee can be adopted.
1. In case of mortgage guarantee, the ratio of the loan amount to the actual cost or assessed value of the collateral (whichever is lower) shall not exceed 50% (including 50%);
2. Where bonds, certificates of deposit or covered letters of credit are used as collateral, the ratio of the loan amount to the face value of securities shall not exceed 90% (including 90%);
3. If the guarantee method is adopted, the credit rating of the guarantor in our bank should be above AA, and the enterprise has strong economic strength, sound financial status and sufficient guarantee ability.
V term and interest rate
The longest loan period for leasing and self-operated projects shall not exceed 15 (inclusive), and the longest loan period for selling and transferring projects shall not exceed 8 years (inclusive).
The loan interest rate shall be subject to the relevant provisions of the People's Bank of China and our Bank.
Other matters of intransitive verbs
The loan amount shall not exceed 50% (including 50%) of the total investment of the project.
For leased and self-operated projects, from the year of project completion, the loan will be repaid quarterly or semi-annually (or in an agreed proportion); When the project is sold or transferred, the loan will be repaid in installments according to the project sales progress, and all the loan principal and interest will be repaid when the project is sold at 60%.
Real estate development loan conditions?
Real estate development loan conditions:
In view of the fact that the housing options obtained by buyers can be mortgaged, the housing options owned by developers should also be mortgaged.
Article 3 of Decree No.76 of Shanghai Municipal People's Government "Measures for Shanghai Real Estate Mortgage" stipulates that "housing options include housing construction options and pre-purchased commercial housing options", that is, the general contracting contract for construction projects that comes into effect according to law, and the general contracting contract for construction projects stipulates that developers can set mortgage for housing construction rights within a certain period of time.
Shanghai Branch of China Construction Bank tried to set mortgage rights by stages according to the completed quantities of sub-projects under construction, increase collateral by stages, and issue loans by stages according to the agreed mortgage amount based on the legally binding construction project contract signed by the developer and the construction unit.
Extended data
Land development mainly refers to the preliminary work of housing construction, there are two main situations:
First, land development in the new area, that is, transforming agricultural or other non-urban land into urban land suitable for industrial and commercial use, residential and commercial housing;
Second, the transformation or secondary development of the old city, that is, it is already urban land, but due to the change of land use, urban planning and other reasons, it is necessary to demolish the original buildings, rebuild the land and invest new labor.
As far as residential development is concerned, it generally includes four levels: the first level is residential development; The second level is the development of production and operation houses; The third level is the development of production and living service buildings; The fourth level is the development of infrastructure in other cities.