Note: such loans complex procedures, enterprises can accept and adapt

 

Real estate development loan operation requirements and procedures

 

(a) the advantages:

We compared the bank operation directly for advantage:

1) approval of speed

2) loan ratio

3) loan local no limit

4) area of the country can operate

5) can accept a wide range of mortgage and pledge

6) to choose the most appropriate local banking services

A one-time fee: 5% (loan) loan out payment.

 

(two) the application data:

Real estate development information requirements: color scanning all documents must be originals

1) business license, credit card, legal person id card (5 card 1 photos)

2) present certificates of real estate development (3 card or 4 cards)

3) loan books (including: the mortgage property assessment value how many, including the main collateral list, need to how to apply for loans, funds and the repayment plan, there must be several pages of simple instructions)

4) business plan, detailed description of the project development planning. Electronic board must provide WORD or PDF format a document. (scan does not accept per piece, because too many)

5) audited financial report of enterprises (such as the last 3 years), the applicant to provide as much as possible.

Be careful.

1) data to provide complete and clear image is very important, directly affects the audit personnel's operation state of mind, do better, and more by chance, time is up. Conversely, the more reluctant to deal with, or even to return. Because, at present the application project is too much, the principle is: quality lending will take.

2) mortgage all real estate projects must be unified in Beijing for, examination and approval, commissioned, lending procedures.

 

(three) the application program:

1) the applicant give the information agent to audit institutions for examination.

2) for review by the applicant, will be designated assessment "loan bank issued the" Notice of the bank. The applicant of all relevant materials of the original to the designated law firms to handle legal witness (due diligence) and pay related costs. Applicants can choose:

(1) the project legal person to the Beijing designated for law firms; or

(2) the project legal arrangements representing yourself, all relevant materials to its own lawyers.

Legal witness fees (due diligence): 10000 yuan, bank loan specified amount of collateral assessment fees: 0.5%.

3) the applicant solicitor with lenders lawyer exchange transactions related legal documents and pay the agent related expenses.

4) the applicant to the law firm signed the relevant documents and mortgage procedures.

5) in loans to banks approved loans and issued notice after the signing, the applicant must first pay the loan fees 5% 10% as deposit to the designated law firms in Beijing.

6) notice to the bank loans to local account for lending procedures.

Note: from the bank loan assessment notice to the loan account to the account will usually in a month to finish.

 

(four) due diligence:

All the application materials shall be delivered to the Beijing designated law firms do due diligence (legal witness), only if the application meets the requirements in order to obtain loans, its contents are as follows.

 

Real estate loan survey report outline

Beijing has designated law firms

 

One, about the subject qualification cognizance

The basic situation of 1, loan subject

Including but not limited to: Industrial and commercial registration legal person license, organization code certificate, tax registration certificate, credit card, credit certificate.

2, the main changes in loan

From the establishment to the present shareholders, legal representative, registered capital, address, name changes and enterprise separation, merger etc..

3, the loan principal at present situation

Including inspection, whether the current termination, suspension of business or the business license is revoked.

 

The corporate governance structure, the loan principal of two

1, which is in accordance with the provisions of company law to establish and perfect the shareholder meeting, board of directors (Executive Director), the board of supervisors (supervisors), general manager and other senior executives;

2, the organization operation including the convening of the meeting, the major issues of the decision is in accordance with the provisions of the company law;

3, whether the independent director or a sound supervision and restriction mechanism, the operation of the company the existence of legal risk.

 

Three major contracts, loans subject

Legal evaluation in signing loan principal has a significant impact on the company's contract. Validity evaluation includes a main body, content and procedures.

 

Four, the loan principal tax status

1, the loan principal related tax;

2, the main tax loan.

 

Five, the loan principal asset status

1, the loan principal assets: including tangible assets and intangible assets. Tangible assets, including fixed assets and intangible assets liquidity, including trademark, patent, copyright;

2, the loan principal's debt situation: up to date of the survey, the total debt is how much, how many, how many claims to set the guarantee creditor's rights over the limitation of action, what is the total debt.

Asset guarantees, loans 3 main: there is no external setting civil collateral, there's not much is the guarantee, loan number.

 

Six, the loan subject of litigation

1, the loan principal as much as the plaintiff and the defendant's case, into what procedure, is a trial, trial, appeal or executive program;

2, the loan principal as third cases have entered what procedures;

3, the loan principal property is the attachment, seizure, freezing, criminal procedure or civil procedure.

 

Seven, the loan principal nearly three years of financial condition

1, the loan principal financial statements of the past three years;

2, the loan principal recent audit report;

 

Eight, the loan principal project

1, the loan principal project feasibility report and the evaluation report;

The current state of 2, the loan principal project;

 

Nine, the loan subject qualification

1, whether or not to sign the transferring state-owned land contract and legal use of state-owned land;

2, whether the construction land planning permit;

3, whether to obtain construction permits planning;

4, whether to obtain the permit for construction project;

5, whether to obtain commercial housing sales (pre-sale) licence.

 

Ten, the loan principal on the loan decision file.

 

Eleven, other matters need special investigation.

 

 ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

Real estate development loan data ready list

________Province________City_______________________(company)

 

Company information	Tick
1	Shen book (content: company introduction / funds / detailed use of funds / repayment plan)
2	Business license
3	Tax registration certificate
4	Legal person certificate of organization code
5	The legal representative of the identity card
6	Credit card
7	The capital verification report credit certification materials
8	The articles of association of the company and the relevant contract
9	The board of directors (or company) decision mechanism resolution on the agreed loan
10	Legal representative certificate or the legal power of attorney
11	The financial statements for the last three years
12	The audit report issued by a professional accountant firm
	Project information
1	The current situation of the project
2	The feasibility study report of the project approval and
3	The evaluation report
4	The state-owned land transfer (transfer) contract
5	State land use permits
6	Construction land planning permit
7	Construction project planning permit
8	Building construction permits
9	Home sales (pre-sale) licence
10	House property card
11	Business property lease, rent tenants list and recorded proof

 

Material submitted in time:2008Years  Month   Day

Addressee.____________

 

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

 

 

 

 

Mortgage and pledge loan business operation process

First, the basic classification

A, Mortgage

1, mortgage borrowers: I or third people owned property housing, has a "real estate certificate".

2, the mortgage process:

(1) the real estate certificate to the property housing the District Housing Authority asked whether the property can apply for mortgage registration;

(2) if the exact answer can be handled, the "real evidence" and the relevant personal information to the bank personal consumer loans agencies for mortgage loan applications;

(3) the bank designated property assessment agencies provide their own property for the evaluation, and submit an evaluation report of real estate,According to the evaluation of value5 ‰ To collect assessment fees;

(4) the bank to assist applicants for property insurance procedures and the corresponding loan approval procedures, the maximum loan amount

No more than 70% of assessed value, and agree to release the loan contract and the mortgage contract and the examination and approval;

(5) the borrower to house property card, loan contract to the District Housing Authority property for mortgage registration, the related costs borne by the borrower;

(6) mortgage registration is completed, the bank loans to borrowers personal savings account.

Two, Pledge loans

1, the pledged property rights certificate: borrower himself or third person legally held, including:

(1) securities. Including bank agency of the issuance of financial bonds, AAA grade corporate bonds, government bonds (laws and regulations except not pledge);

(2) certificate Treasury bank agency issued (1999 issue);

(3) issued by a bank of this individual, foreign currency savings deposit and regular account bankbook;

(4) the bank approved other legitimate, effective power certificate.

2, the pledge process:

(1) the right credentials to bank personal consumer loans agencies shall apply for a loan;

(2) review the pledge of rights instruments, and to comply with the conditions of the registration of the pledge;

(3) the bank receipt hypothecation certificate, the loan approval procedures, the maximum loan amount does not exceed $90% pledge rights certificate, and agree to release the loan applicants to sign the loan contract and the pledge contract and approval; (4) the bank loans to borrowers personal savings account.

Three, Loan portfolio

The borrower may apply for mortgage or pledge rights certificate with a personal consumer loans, the loan amount according to two kind of security grant loan amount accumulated, loan process.

Four, annual rate: in accordance with the people's bank interest rate synchronous execution! The following is for reference only!

 

 

Second, all kinds of loans

(a) real estate development loan

   Loans for the establishment of commercial housing development projects approved by the competent department of real estate development, registration at the administrative department for Industry and commerce, the business license of enterprise legal person qualifications, certificates issued by the competent department of real estate development enterprises engaged in real estate development real estate development enterprises loans to commercial housing development and the lack of funds to meet the short-term, medium-term, long-term project financing needs to provide loan services.

The application conditions:

1 obtaining project approval authority approved project.

The feasibility study report for project 2, obtain approval authority.

The 3 project development, effective legal documents. Project construction land for the transfer of property, should be based on the project of state-owned land transfer contract, paid land leasing, and obtain the project"State land use permit", "construction land planning permit", "construction planning permit", "construction permit". Have begun to sell pre-sale items, lawful, effective"Sales of commercial property(Sale)License".

4 to get the loan project of land use rights, and termination of land use right time is longer than the termination of the loan time.

5 enterprise credit and the financial situation is good, has the ability to repay loans interest.

6 in loans bank to open basic accounts or general settlement account, and to handle the settlement business.

7 loan project reporting purposes consistent with function, and can effectively meet the needs of the local real estate market demand.

8, the loan project budget, construction plan in accordance with relevant regulations of the state and local government. The project budget total investment can meet the project before completion due to inflation and unpredictable factors such as additional budget.

9 property against (quality) is mortgaged to the bank or the bank may accept the servicing of joint liability guarantee.

Need to submit the following information:

1 the borrower's business license.

2 the borrower capital verification report and the company's articles of association and the relevant contract.

Estate development departments issued 3 Housing and through the annual inspection of the borrower qualification certificates.

4 the borrower loan card (card) and reference materials.

5 the borrower's board of directors or the corresponding decision mechanism resolution on the agreed loan.

Borrowing 6. written application report (to be detailed Introduction Company, the current business situation, financial situation, the project and loan demand, the detailed use of funds)

7 the borrower's legal representative certificate or the legal power of attorney (need to go through the statutory procedures).

8 by the accounting (AUDIT) approval of office or authority of the borrower nearly three years of financial report and financial statements of the last month.

9 the feasibility study report has authority to project approval and project.

10 the loan project of state owned land (transfer) contract, leasing land to pay vouchers and the "state-owned land use certificate", and the project "construction land planning permit", "construction planning permit", "construction permit".High quality customer loan when the "four cards" temporarily not full (including approval of development area, not the whole), customers should provide the "four certificates" to implement the plan, guarantee loans obtained prior to complete project development document;Other non premium customers to apply for project loans, should provide complete "four card". The project has begun marketing sale, also need to provide the legal, the integrity of the "commercial housing sales (pre-sale) license"

11 the project site general layout, planning and design, investment budget (pre) book, the construction schedule and the use of funds to implement the data table, seven ping.

12 project of capital sources and the implementation of the data.

13 take guarantee loans, should be in accordance with the relevant provisions, provide a guarantee, mortgage related data. The mortgage of real estate, should provide the mortgage insurance policy or agreed commitment letter of insurance. Obtained by way of allocation of mortgage the right to use state-owned land, land management departments to provide collateral certificate.

Qualification 14 project supervision units and previous job performance materials.

15 joint development contract, agreement.

16 banks and operation of the company, other documents and material provided.

 

(two) business property loan

Business property loan refers to the bank to business property ownership issue, with its own or purchase of business property as collateral, and its operating income for the payment of principal and interest of loans. Business property refers to the completion acceptance and put into commercial operation, the operating cash flow is more abundant, comprehensive income is better, source of repayment stable business buildings and office buildings, including office buildings, star Gaestgiveriet Hotel, commercial facilities, commercial housing.

The application conditions:

The borrower must be approved by the authority department set up and holding enterprises according to law (thing) business license, business units of the legal implementation of independent accounting, have the qualifications of a legal person, its own or purchase of business property has been put into commercial operation, and has the right to dispose of independent on its own or purchase of commercial real estate.

Need to submit the following information:

1, borrowing a written application report (to be detailed Introduction Company, the current business situation, financial situation, the project and loan demand, the detailed use of funds).

The business license of enterprise legal person 2, and has been for the annual inspection procedures; registered domestic enterprises need to provide the certificate of organization code sound corporate governance structure, management norms, the financial situation is normal, expected operating earnings is good.

3, with loan card (card), and open a special account in the bank, credit level consistent with the bank lending requirements, no bad credit records.

4, on loan and effective resolution of the board of directors / office meeting resolution, issued by the board of directors agreed to have them or purchase of business property as collateral loans resolution.

5, signed a project financial supervision agreement, commitment to the project property of all capital settlement, on behalf of intermediate business in bank loans, bank on the property operating income, expenditure of funds, closed supervision.

6, the articles of association of the enterprise and a copy of the tax registration certificate, a copy of a copy.

7, the legal representative of the identity certificate and identity card.

8, enterprise credit card number, password.

9, the official seal of the enterprise and the legal representative signature proof proof.

10, business property lease, rent tenants list and recorded proof.

11, enterprises in recent 3 years of financial report.

Other data of 12, bank operation requirements.

 

(three) the personal assetsMortgage   Seven days can loan

1, the loan object: at least a full civil capacity of natural persons eighteen years of age to sixty years of age.

2, the loan amount: the borrower to provide bank approved collateral, pledge, guarantee of the third party or with certain credit qualifications, the bank approved the corresponding amount of collateral, collateral lines, or lines of credit that amount. Pledge amount does not exceed the nominal value of the pledge of rights certificate provided by the borrower does not exceed 90%; collateral lines of the value of collateral assessment 70%; credit and guarantee according to the borrower's credit rating to determine the amount of.

3, the term of the loan: the longest period of validity of the mortgage amount is 20 years; the validity of the pledge quota expiration date shall not exceed the pledge of rights due date, the length of not more than 5 years; credit and guarantee validity limit is 2 years. Calculated from the date of entry into force of the amount of the loan contract validity period. At the same time, the borrower apply pledge amount collateral lines, or lines of credit that amount in two or more lines, banks in accordance with the shortest amount approved borrowers personal consumption credit loan amount is valid. The amount of valid not allowed to continue to support with the remaining amount after the deadline.

4, the loan interest rate: in accordance with the bank loan interest rates broke surface 10-15% execution.

5, security: to the bank mortgage, pledge, guarantee of the third party or credit way.

6, need to provide details of application materials:

Copy of real estate license

The original identity card

ID card copy of the borrower

The borrower of the original account

A copy of the accounts of the borrower

The certificate of marriage

A copy of the marriage certificate

The photo

Borrowers spouse ID card

Borrowers spouse ID card copy

Borrowers spouse of the original account

Borrowers spouse copy of this account

Borrowers spouse photograph

The borrower income proof

Proof of income borrowers spouse

Borrowing paper and other materials

Borrower income statement