Sub-loan refers to that commercial banks, as debtors, sign loan agreements and borrow funds; As a creditor, he lent money to domestic enterprises. Most refinancing loans are international financing loans. Take the transfer of individual housing loans as an example: First, the original borrower of individual housing loans shall not default on the principal and interest of bank loans when applying for loan transfer. Secondly, the borrower applying for reloaning business should meet the basic conditions of individual housing loan and the following conditions: (1) When the collateral is an existing house, both parties to the transfer should sign a real estate sales contract. (2) If the collateral is an auction house, both parties to the transfer shall sign the Commodity House Pre-sale Contract and the Contract Rights Transfer Letter. If the transferor fails to pay the total price of all pre-sold commercial houses, the transfer shall be approved by the real estate development enterprise. If the transferor has paid off the total price of all pre-sold commercial houses, it shall notify the real estate development enterprise in writing to transfer.

Second, real estate companies use bank mortgages to sell and develop products, and the correct corporate income tax treatment for mortgage loans paid for buyers is _ _ _ _.

A

If an enterprise uses bank mortgage as the mortgage loan guarantee of the buyer, the deposit (guarantee) provided to the bank when it sells and develops products shall not be deducted from the sales income, nor shall it be deducted as the current pre-tax expenses, but it can be deducted according to the facts when the actual losses occur.

Third, how do banks lend money?

How to borrow personal loans:

ICBC loan method:

1. Credit loan: the parties can apply for personal loans from banks with good credit standing and strong repayment ability;

2. Mortgage loan: After the parties have completed the mortgage registration of the collateral, they can sign a mortgage loan contract with the bank, and the bank will issue the loan to the designated account.

The above contents are for reference only and do not contain any loan suggestions. Online lending is risky, so choose carefully!

You recommend a loan from Xiaoman Finance (formerly Baidu Finance) with money to spend. The borrower only needs to provide the second-generation ID card and bank card, and must be 18-55 years old. The examination and approval is fast, the fastest is 30 seconds, and the loan funds arrive in 3 minutes at the earliest. The maximum loan is 200,000 yuan, and the minimum daily interest rate is 0.02%.

4. How do banks develop new loan products?

I don't know what you want to know. The question is too simple.

General developers need to use their own funds to pay the land transfer fee first, and after obtaining the land certificate and other documents, they can use the land mortgage to find a bank to handle real estate development loans.