1. Customers applying for real estate development loans from Bank of China must meet the following conditions:

(1) Established with the approval of the national real estate industry authority, registered with the industrial and commercial administration, and obtained an enterprise A real estate development enterprise that has a legal person business license, passed the annual inspection, and obtained a real estate development enterprise qualification certificate issued by the competent industry department.

(2) The development project is consistent with the customer’s own qualification level.

(3) Have applied for a loan card issued by the local People’s Bank of China.

(4) The purpose of the loan is in compliance with national industrial policies and relevant regulations.

(5) Have a sound business management organization, qualified leadership team and strict business management system.

(6) The operating, financial and credit conditions are good, and the company has the ability to repay the principal and interest of the loan.

(7) Ability to implement guarantee methods recognized by Bank of China.

(8) You need to open a deposit account at Bank of China and handle a certain amount of deposit and settlement business.

(9) The project development procedures documents must be complete, complete, authentic and valid, and the land use right certificate, construction land planning permit, construction project planning permit, and construction (construction) permit should be obtained , pay the land transfer fee and start construction as required, and the land use right shall not terminate earlier than the end of the loan period.

(10) The actual functions of the development project are consistent with the planned use, can effectively meet the needs of the local residential market, and have good market rental and sales prospects.

(11) The project budget and construction plan of the development project comply with national and local government regulations, and the total project budget investment can meet the need for additional budget due to inflation and unforeseen factors before the completion of the project.

(12) The self-owned funds of the development project should reach 35% of the total project budget investment, and must be invested in project construction before bank loans are in place.

2. Customers applying for land reserve loans must meet the following conditions:

(1) Have obtained the legal person qualification of an enterprise (institution), applied for a business license from the relevant department and completed the annual inspection procedures .

(2) The local government has established a land reserve management system, which can realize the monopoly and management of the primary land market through unified acquisition, unified expropriation and unified transactions. The local land acquisition, reserve, transfer, Market behavior in real estate appraisal and other industries is relatively standardized.

(3) The business activities such as land acquisition, reserve, and transfer are in compliance with national and local laws, regulations, and policies, and there are relatively complete work rules and financial management systems.

(4) Have a certain amount of capital, have a certain ability to resist risks, and be able to withdraw a certain proportion of retained earnings from land transfer proceeds or use other methods to supplement capital.

(5) The overall utilization plan and annual utilization plan of the land to be acquired, requisitioned and reserved for the loan application have been basically clear.

(6) Obtained a loan card issued by the local People’s Bank.

(7) The loan applied for must correspond to the specific land parcel. Land reserve loans should implement mortgage guarantees and other necessary guarantee methods. The loan amount shall not exceed 70% of the appraised value of the acquired land. The loan period must be at least No more than 2 years old.

(8) You need to open a deposit account at Bank of China and handle a certain amount of deposit and settlement business.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.