What are the three red lines for developers?
1. The three red lines of developers mean that the asset-liability ratio excluding advance payment is not more than 70%, the net debt ratio is not more than 100%, and the short-term cash debt ratio is not less than 1 times. According to the contact of the three red lines, it will be divided into four grades: red, orange, yellow and green, and the three red lines of the red line all touch interest-bearing liabilities. When the orange file meets two lines, the annual growth rate of liabilities shall not exceed 5%.
2. When the yellow file goes online, the annual growth rate of liabilities shall not exceed 10%. If the three green lines are not reached, the annual growth rate of liabilities shall not exceed 15%.
How to handle loans for real estate transactions?
1, real estate transaction, signing house sales contract. Of course, this is only an intentional contract. Don't go through the house first, and don't pay the down payment. The deposit depends on the terms you negotiated with your predecessor.
2. Submit a loan application for real estate transaction to the bank. After accepting your application, the bank will ask you to provide supplementary information if the information is incomplete or insufficient. The general approval time will be about 2 weeks.
3. When the bank approves the real estate transaction (it agrees with your loan application, not gives you a loan), you should pay attention at this time. You should ask the bank manager when you can arrange a loan for you after your loan is mortgaged. After confirmation, you can handle the transfer and pay the down payment. It should be noted here that the general bank requires the down payment to be paid at the handling bank, but you don't recognize it at other banks.
4. Sign loan contracts with banks, pay various fees, and handle mortgage and insurance. When signing a loan contract, you should read the terms clearly, because most bank managers do these loan contracts in batches, and mistakes and omissions are inevitable.
5. Go through mortgage and insurance procedures.
6. loans. Some banks need customers to go to the bank again to apply for loans. Remember to ask the bank for a loan contract and loan receipt that belongs to you after the loan is finished, and the second-hand house will also have insurance policies, evaluation books and so on. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.
What are the three red lines for developers? It is very common for developers to have three red lines on how to handle loans in real estate transactions. Of course, this is not a good sign, so when buying real estate, we should pay more attention to these aspects and pay more attention to the loan problem. The deeper we know, the better the treatment effect will be, at least it will not cause many problems, otherwise it will cause a lot of trouble.