I. Definition: Real estate development loans refer to special loans provided by banks to real estate development enterprises for the development and construction of houses and office buildings. Generally speaking, enterprises provide land with land use rights, and real estate or enterprise shareholders provide guarantees with housing ownership as collateral.

2. Applicable objects: The Bank's real estate development objects are all kinds of real estate development enterprises approved by the national real estate administrative department, registered in the industrial and commercial administrative department, and obtained the business license and qualification certificate of real estate development enterprises issued by the administrative department.

Three. Financing process: Understand the bank's recent policies, risk control, post-loan inspection and other measures. At the same time, make project declaration for several banks according to the relevant information required by banks, and communicate with banks about the preliminary loan scheme (credit line, interest rate, financing period, guarantee conditions, loan conditions, repayment plan, post-loan management, etc.). ). During the application process, the bank will ask questions about the project itself (not limited to financial report analysis, total investment and investment amount, project).

Then, after the bank forms a plan and reports it to the branch or the head office, it will be approved by the loan review Committee, and finally the approval documents will be issued. If the real estate developer has no objection to the approval of the above-mentioned agreed credit line, interest rate, term and guarantee method, he can sign relevant cooperation agreements with the bank and start the procedures of land mortgage and equity pledge according to the guarantee conditions.

General bank contracts will stipulate the pre-conditions for lending, and relevant information can be provided according to the pre-conditions for lending.

Fourth, pay attention to the main points:

(1) Banks value borrowers most, and mortgage is an additional guarantee, so they will focus on the borrower's business ability and solvency, rather than just paying attention to mortgage guarantee;

(2) The following types of companies will be selected as the target:

First, large state-owned real estate companies have the advantages of strong shareholder background, standardized management and large scale.

Second, large private real estate enterprises have the advantages of high development efficiency, high speed and flexible sales methods. Large private real estate development enterprises are generally experienced and have a good market reputation.

Third, powerful foreign real estate companies have abundant funds and mature project operation experience.

(3) Newly established project companies generally do not have the second-level qualification required by banks, so they need to penetrate the equity and establish a company with the second-level qualification within the whole group.

(4) The applicant should know and master the basic situation of the project, which is not limited to location analysis, market expectation analysis, price evaluation of surrounding projects, project profit calculation, etc.

If it is a cooperative project, it is also necessary to understand the ownership structure, shareholding ratio, cooperation mode, profit distribution, exit plan, guarantee ratio, etc.

Finally, the recovery of the loan should match the operation node of the project and arrange the land mortgage time reasonably. Of course, this is a very broad answer, and there will be many details to be scrutinized and controlled in the actual operation process.