No Working capital loans are mainly used for production and operation expenses such as various inventories and seasonal material reserves stored by borrowers for consumption or sales in the process of production and operation.
Article 9 Working capital loans shall not be used for:
(1) Investment in fixed assets;
(2) equity investment;
(3) Speculation in securities, futures and real estate;
(4) Borrowing from each other to obtain illegal income;
(five) other activities that do not meet the purpose of working capital loans.
2. What are the requirements for banks to issue working capital loans to real estate enterprises? It seems that the threshold is very high. Is it easy to borrow money Please give me more advice!
Real estate development loan: Real estate is a loan issued by the Bank to real estate development enterprises with real estate development qualifications for real estate project development and construction; Compared with other types of loans, real estate development loans have the characteristics of high returns and high risks. Therefore, on the basis of evaluating comprehensive income, we should generally be cautious. According to the different development contents, there are the following types of real estate development loans: (1) residential development loans. It is a loan issued to real estate development enterprises for the development of commercial residential projects, such as single residential buildings, residential quarters, villas and other projects. The first source of repayment comes from. (2) Commercial housing development loans. It is a loan issued to real estate development enterprises for developers to use in commercial housing projects, not family housing. (3) Land development loans. It is a land development loan issued to real estate development enterprises. (IV) Conditions for real estate development enterprises to apply for real estate development loans due to their own needs In addition to the conditions required by general loans, borrowers applying for real estate development loans should also meet the following conditions: (1) Requirements for legal person qualification: obtaining the qualification certificate of real estate development enterprises, and documents issued by the board of directors of the company for simultaneous application according to the company's commitment letter and the implementation of development funds in the early stage of the project. (Ming: 1. Land use information: land transfer contract, red line map, paid land transfer fee invoice, state-owned land use certificate, construction land approval letter, construction land planning permit, etc. , and the land use right of the project has been obtained, and the payment is terminated. 2. Asset investment permit, planning and design scheme approval, construction project planning permit, construction permit, etc. , and all the project documents are complete, true and effective. 3. Other preliminary materials: project feasibility analysis report, cash flow analysis and forecast and development and sales progress plan; Pre-sale permit of commercial housing, construction contract, supervision contract, construction progress and monthly supervision report: the project budget and construction plan of the loan project comply with the relevant provisions of the state and local governments. The total investment in the project budget meets a certain proportion of self-owned funds due to inflation and unpredictable performance before the completion of the project, which should generally reach more than 30% of the total investment in the project budget and can be used for project construction.
3. What are the requirements for banks to issue working capital loans to real estate enterprises? Like a threshold ...
Hello!
Real estate enterprises can only borrow real estate development loans (project loans), not working capital loans.
Are you satisfied with my answer ~ ~
4. What are the requirements for banks to issue working capital loans to real estate enterprises?
Real estate development loan: real estate is the general name of real estate and real estate, and real estate development loan is a loan issued by banks to real estate development enterprises with real estate development qualifications for real estate project development and construction; Compared with other types of loans, real estate development loans have the characteristics of high returns and high risks. Therefore, it is generally necessary to be cautious on the basis of evaluating comprehensive income. I. Types of real estate development loans According to different development contents, there are the following types of real estate development loans: (1) residential development loans. It is a loan issued to real estate development enterprises for the development of commercial residential projects, such as single residential buildings, residential quarters, villas and other projects. The first source of repayment is the pre-sale sales income of residential buildings. (2) Commercial housing development loans. It is a loan issued to real estate development enterprises for developers to use in commercial housing projects, not family housing. (3) Land development loans. It is a land development loan issued to real estate development enterprises. (four) working capital loans for real estate development enterprises. Refers to the loan applied by real estate development enterprises because of their needs, which has nothing to do with specific projects. Ii. Conditions for applying for a real estate development loan The borrower applying for a real estate development loan should meet the following conditions in addition to the conditions required for a general loan: (1) Requirements for legal person qualification: to obtain the qualification certificate of a real estate development enterprise, and at the same time, to obtain the resolutions and authorization of the board of directors of the company on applying for a mortgage loan, and the company's commitment letter, and the documents on the implementation of development funds in the early stage of the project. (2) Proof of legality and feasibility of the project: 1. Land use information: land transfer contract, red line map, paid land transfer fee invoice, state-owned land use certificate, construction land approval letter, construction land planning permit, etc. , and the land use right of the project has been obtained, and the termination time of land use right is longer than the loan termination time. 2. Construction application materials: project approval, fixed assets investment permit, planning and design scheme approval, construction project planning permit, construction project application review, construction permit, etc. All project application documents are complete, true and valid. 3. Other preliminary materials: project feasibility analysis report, cash flow analysis and forecast and development and sales progress plan; Pre-sale permit of commercial housing, construction contract, supervision contract, monthly report of construction progress, monthly report of supervision, etc. 4. Other prerequisites: the project budget and construction plan of the loan project comply with the relevant provisions of the state and local governments, and the total investment in the project budget can meet the needs of additional budget due to inflation and unforeseen factors before the project is completed; With a certain proportion of its own funds, it should generally reach more than 30% of the total investment in the project budget, and can be invested in the project construction before the bank loan.