First of all, answer directly.

No Mortgage the project under construction, find an evaluation firm recognized by the bank, evaluate the project under construction, and then mortgage it to the bank for loan. The advantage of this method is that the cost is lower than other methods. The condition of the project contract loan is that the project has obtained the land certificate and building permit, and its own funds account for more than 25% of the total investment. The purpose of mortgage loans for projects under construction is the funds needed for the continued construction of projects under construction.

Second, analysis

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Third, the project contract type?

1, the contract price of the lump sum contract is fixed, and the fixed total price is to contract the project according to the agreed total price. Based on drawings and engineering specifications, it is characterized by defining the contract content, calculating the package price and ensuring that the contract is paid in one lump sum;

2. The contract price of the bill of quantities valuation contract is based on the bill of quantities and the unit price table.

3. The contract price of the cost plus compensation contract. The basic feature of this contracting method is to determine the total cost of the project according to the actual cost of the project, plus the agreed total management fee and profit.

Can the project contract be loaned?

The project contract cannot be used as a loan, because it cannot be listed and traded, and the project under construction can be mortgaged. The project under construction can be mortgaged. Find an appraisal firm recognized by the bank, evaluate the project under construction, and then mortgage it to the bank for loan.

Can the high-speed project contract be loaned?

Of course.

Engineering contracts can be used as loans, generally as project loans. But there are two things that will greatly restrict you: 1, your qualifications as a contractor and the past project completion, and 2, whether the contractor is strong (like government projects, it is easy to get capital).

In order to alleviate the busy situation of national highway transportation on 109 line, build a national east-west highway corridor, make a large number of vehicles pass quickly, safely and comfortably, give full play to the radiation function of Lanzhou central city, and promote economic development and social progress along the line, our province began to demonstrate the construction of Baiyin to Lanzhou expressway in 1997, which received strong support from the state. The Ministry of Communications approved 1998 the construction project of Prynne expressway, which was listed in the state. After the project is completed, it will greatly alleviate the traffic congestion on 109 national highway, realize continuous traffic with large traffic volume, meet the demand of regional traffic growth, and play a great role in Lanzhou's opening up and Gansu's economic development.

Is it okay to borrow money only from the project contract?

First, is it ok to borrow money from the project contract alone? The project under construction can be mortgaged, but it is not enough to have a contract. Mortgage the project under construction, find an evaluation firm recognized by the bank to evaluate the project under construction, and then mortgage it to the bank for loan. The advantage of this method is that the cost is lower than other methods, and the maximum loan amount is 50% of the assessed value, that is, the mortgage rate approved by the bank will not exceed 50%. So the possibility of loan approval is low. First, the project under construction is not a mortgage method recognized by every bank. Secondly, many banks have strict requirements on projects under construction, and it is not easy to approve them. It is suggested to find some local commercial banks or joint-stock banks with flexible policies. Second, what are the legal consequences of invalid engineering contracts? 1. Pay the project price according to the contract. According to the Supreme People's Court's Interpretation on Applicable Legal Issues in the Trial of Construction Contract Cases, the construction contract of the construction project is invalid. However, if the construction project has passed the completion acceptance, and the contractor requests to pay the project price according to the contract, it shall be supported. 2. Contractor undertakes repair costs According to the Supreme People's Court's Interpretation on Applicable Legal Issues in the Trial of Construction Contract Cases, the construction contract of the construction project is invalid, and the construction project fails to pass the completion acceptance. However, if the repaired construction project passes the completion acceptance and the employer requests the contractor to bear the repair costs, it shall be supported. 3. Non-payment of project funds According to the Interpretation of the Supreme People's Court on Applicable Legal Issues in the Trial of Construction Contract Cases, the construction contract of the construction project is invalid, and the completed acceptance of the repaired construction project is unqualified. If the contractor requests to pay the project price, it will not be supported. 4. The employer shall bear the corresponding civil liability according to the fault. According to the Supreme People's Court's Interpretation on Applicable Legal Issues in the Trial of Construction Project Contract Cases, if the employer is at fault, he shall also bear corresponding civil liabilities for the losses caused by unqualified construction project quality. To sum up, in the process of developing commercial housing projects, the builder needs to occupy a lot of money. If their own funds are not enough, they often borrow money from banks. If it is impossible to borrow money from the bank on the basis of the project contract, the bank will not approve it. The condition of project contract loan is that the developer obtains land certificate and construction permit, and its own funds account for more than half of the total investment.

Can the project contract be loaned?

Bank loans cannot be used for engineering contracts. There is no direct relationship between the bank loan and the project contract, and the project contract does not belong to the collateral or reference of the bank loan.

The reference objects of banks are generally valuable fixed assets and equivalent bonds, as well as equal capital guarantee. Mainly includes:

First, fixed assets.

The second is securities, stocks, promissory notes, etc.

Third, commercial housing with big property rights.

Fourth, fixed income and stable operating income.

If there is no such economic guarantee, then the parties can also find a guarantor, and the guarantor can also get a loan from the bank, but the guarantor must be qualified, legal and qualified, so as to help the parties guarantee to the bank.

Can the project contract be loaned?

The project contract can be loaned. All enterprises registered in the administrative department for industry and commerce of China, with independent legal person qualification, the right to operate foreign contracted projects, and the professional and technical qualifications and strength of foreign contracted projects can apply to The Export-Import Bank of China for loans for foreign contracted projects. Article 29 of the General Principles of Loans: All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. The mortgagor, pledger and lender shall sign mortgage contract and pledge contract for mortgage loan. If registration is required, it shall be registered according to law.