The main advantages of fixed asset loans are:

1. The loan period is long. For ordinary mortgage loans, the loan period is generally 1 year, and companies face greater repayment pressure. For commercial property mortgage loans, the loan period can be up to 10 years, and companies can obtain long-term and stable funds.

2. Loans are flexible in use. Operational property mortgage loans solve the problem of difficult supervision of loan purposes for real estate companies. For self-built properties, they can be used to replace debt funds and own funds exceeding the prescribed proportion of project capital, that is, the replacement funds belong to the real estate company. Self-owned funds, banks’ supervision over the use of enterprises’ own funds can be appropriately reduced.

3. Simple operation, solving corporate financing difficulties. The operation of operating property mortgage loans is simple. Operating property mortgage loans mainly focus on the value of the collateral and the cash flow during the loan period. As long as these two conditions are met (i.e., the first repayment source and the second repayment source of the loan) the operation Commercial property mortgage loans can be operated on any property, and enterprises can easily obtain bank loans.

4. Flexible repayment methods reduce corporate financial management costs. The repayment plan can be reasonably arranged according to the company's capital arrangement and the cash flow status of the operating property, and the repayment source of the operating property mortgage loan can be judged.