A housing development loans for the procedures and related matters
Real estate development enterprises for housing development loans could only be used for ordinary housing construction, and not for luxury apartments, villas building. When applying for loans in:
(1) to obtain loans of land use rights;
(2) loan projects have been incorporated into national or local housing construction development plan, the project document integrity, real and effective;
(3) loan projects function in line with the declared purposes, and be able to effectively meet the needs of the local housing market;
(4) loan project budget and construction plans in line with the state and local governments of the relevant provisions;
(5) loan projects of the project budget sufficient;
(6) the lender plans to invest the funds owned by loans provided not less than the ratio is usually 25 percent, and in the use of bank loans to investment projects before construction.
Real estate development enterprises to the banks for real estate development loans, to provide:
(1) loan applications;
(2) copies of business licenses, inspection of the documentation and copies of tax registration documents;
(3) the legal representative or his authorized representative of the documents;
(4) capital verification report;
(5) on the annual accounting statements, loan applications a month before the accounting statements;
(6) project feasibility study, project construction, implementation and development of the document or project;
(7) real estate development enterprises Certifications;
(8) to provide third-party guarantor of security issued by the letter of intent, copies of business licenses, inspection registration documents and tax registration certificate copy of the guarantor of the financial statements and other relevant information;
(9) collateral (quality of) inventory and property documents and have agreed to dispose of collateral (pledge) proof.
The borrower's loan application, the bank based on the national industrial policies, credit policies and the relevant provisions of loans to be reviewed. If a qualified borrower, the borrower must accept the bank's loan-to-further investigation before, its contents include:
(1) the borrower's behavior, including their qualifications, work, leadership, moral character, repayment will;
(2) the borrower's credibility, the main survey the original debt if the borrower can repay on time, whether bad bank records, etc.;
(3) the borrower's solvency, that is investigating whether the borrower has the ability to repay the loan principal and interest, the repayment source of funding is stable, whether as scheduled debt service;
(4) the profitability of the borrower and the borrower the expected profitability of their own;
(5) loan project parties, including the preparatory work for development projects, the implementation of development plans, urban planning, design, construction sites has been approved, whether the conditions have started, whether to permit construction, and a source of project funding Implementation and development projects, such as pre-sale situation;
(6) guarantor of security capabilities, the main guarantor of the investigation have secured qualification, the guarantor creditworthiness of the borrower and whether it is for other people to provide the guarantees;
(7) collateral (pledge) for compliance, have been set up collateral (the pledge). If the borrower through the banks, the loan conditions, the Bank had reported approval level by level, upon approval, will be able to sign a "loan contract." If the loan is secured by a third party legal persons, must sign a "guarantee contract" if the loan is secured by real estate mortgages, sign a "security contracts" if the borrower is pledged as collateral securities, such as the To sign a "pledge of the contract." Loan payment, if the borrower uses the use of the contract were not borrow or not the contract limit of regular pay off loans, borrowers are subject to the Bank of punishment. If a borrower to the lending bank to provide false or hiding important facts and the balance sheet, income statement and other information is not truthful to the loans provided by banks to open accounts, and deposit account balances and other information in accordance with provisions of loan contracts for the use of loans, as pointed out Is not correct; refused to accept the lending bank to its credit funds to investigate aware of the lending bank can recover part or all of advance loans, the borrower has yet to stop paying the borrower. Before the expiration of the loan, if not all borrowers repaid loans on time, we should take the initiative to propose extension of the application. If a bank audit, needed the extension, the banks and borrowers and to sponsor (or mortgage, or out of) sign a "phased repayment agreement" as the original "loan contract," the annex. Loans extended only once, short-term loans shall not exceed yuan loans extended period, the medium-term loans extended period of no more than half of the original loan. If the loan period extended with the original loan period to reach a new level of interest rates period, extended from the date of loan interest by the new deadline for resumption of the interest rate level. If the borrower before the expiration of the loan applications by extension, although the proposed loan or extension of the application, but not approved by the banks, loans from the day following the date of maturity, the banks according to the daily rate of 0.4 ‰ to Faxi, until Principal and interest recovery loans.
The loans for housing construction procedures and related matters
Non-enterprise development loans for housing construction and building trade unions for the sale of the contents of a housing loan in fixed assets. The development of enterprise applications for non-housing construction loans in addition to the development of reserves required of enterprises applying for loans (1) to (5) and (8) to (9), seven conditions, they also need to have the approval of the departments in charge of housing construction plan and Self-financing to achieve the required ratio, the general in more than 60 percent. By bank survey to assess if the housing construction loans in line with the relevant requirements, after approval, will be signed with the various housing loan contract, get housing construction loans. Non-development of enterprises access to housing construction loan procedures and enterprise access to housing development loans in process is basically the same.
Three applications for housing construction loans policy procedures and related matters
If the development of enterprise applications for policy development or construction of housing loans, housing funds required to make an application management centre, housing fund management center included in the housing finance scheme, and based on the housing fund management center housing units commissioned loan approach, in accordance with the housing fund management center Housing units commissioned loan approval procedures for housing construction loans. Policy of housing construction loans based on the amount of the construction unit of the demand for funds from the housing fund management center arrangements. Loan period is generally one to three years, the implementation of the People's Bank lending rate under the fixed asset lending rates. Quarterly income statements loans, overdue loans and loans based on the People's Bank of embezzlement, respectively, in accordance with the interest rate on the interest rate 0.4 ‰ and 0.60.4 ‰ Faxi.
Units in the building of housing policy for loans, housing fund management center to provide two loan applications, filled out a "unit housing loan application forms" one-third, to submit copies of business licenses, the recent accounting statements, the Planning Commission, the project investment plan And city and district planning and construction of new residential sector issued by the "construction project planning permits" and "construction work permits" (a housing project if the local matching funds loan, to provide the city Planning Commission and other departments jointly issued the housing project Investment plans, and the city issued by the home run, "a well-off residential development and construction of single-mandate", "well-off residential waiver of taxes and fees that" the project document); new residential floor plan or the plan; borrowing units and the security units of the security agreement signed ; Security unit recent accounting statements; borrowing units and the bank signed by the mortgage agreement; mortgage loan units of the security assessment report, and other information. Housing fund management center after the first instance that the loan conditions, began an assessment commissioned by the lending bank audit, and then by the housing fund management center approval, upon approval, will be commissioned by the bank loans specific procedures.
Real estate development enterprises for housing development loans could only be used for ordinary housing construction, and not for luxury apartments, villas building. When applying for loans in:
(1) to obtain loans of land use rights;
(2) loan projects have been incorporated into national or local housing construction development plan, the project document integrity, real and effective;
(3) loan projects function in line with the declared purposes, and be able to effectively meet the needs of the local housing market;
(4) loan project budget and construction plans in line with the state and local governments of the relevant provisions;
(5) loan projects of the project budget sufficient;
(6) the lender plans to invest the funds owned by loans provided not less than the ratio is usually 25 percent, and in the use of bank loans to investment projects before construction.
Real estate development enterprises to the banks for real estate development loans, to provide:
(1) loan applications;
(2) copies of business licenses, inspection of the documentation and copies of tax registration documents;
(3) the legal representative or his authorized representative of the documents;
(4) capital verification report;
(5) on the annual accounting statements, loan applications a month before the accounting statements;
(6) project feasibility study, project construction, implementation and development of the document or project;
(7) real estate development enterprises Certifications;
(8) to provide third-party guarantor of security issued by the letter of intent, copies of business licenses, inspection registration documents and tax registration certificate copy of the guarantor of the financial statements and other relevant information;
(9) collateral (quality of) inventory and property documents and have agreed to dispose of collateral (pledge) proof.
The borrower's loan application, the bank based on the national industrial policies, credit policies and the relevant provisions of loans to be reviewed. If a qualified borrower, the borrower must accept the bank's loan-to-further investigation before, its contents include:
(1) the borrower's behavior, including their qualifications, work, leadership, moral character, repayment will;
(2) the borrower's credibility, the main survey the original debt if the borrower can repay on time, whether bad bank records, etc.;
(3) the borrower's solvency, that is investigating whether the borrower has the ability to repay the loan principal and interest, the repayment source of funding is stable, whether as scheduled debt service;
(4) the profitability of the borrower and the borrower the expected profitability of their own;
(5) loan project parties, including the preparatory work for development projects, the implementation of development plans, urban planning, design, construction sites has been approved, whether the conditions have started, whether to permit construction, and a source of project funding Implementation and development projects, such as pre-sale situation;
(6) guarantor of security capabilities, the main guarantor of the investigation have secured qualification, the guarantor creditworthiness of the borrower and whether it is for other people to provide the guarantees;
(7) collateral (pledge) for compliance, have been set up collateral (the pledge). If the borrower through the banks, the loan conditions, the Bank had reported approval level by level, upon approval, will be able to sign a "loan contract." If the loan is secured by a third party legal persons, must sign a "guarantee contract" if the loan is secured by real estate mortgages, sign a "security contracts" if the borrower is pledged as collateral securities, such as the To sign a "pledge of the contract." Loan payment, if the borrower uses the use of the contract were not borrow or not the contract limit of regular pay off loans, borrowers are subject to the Bank of punishment. If a borrower to the lending bank to provide false or hiding important facts and the balance sheet, income statement and other information is not truthful to the loans provided by banks to open accounts, and deposit account balances and other information in accordance with provisions of loan contracts for the use of loans, as pointed out Is not correct; refused to accept the lending bank to its credit funds to investigate aware of the lending bank can recover part or all of advance loans, the borrower has yet to stop paying the borrower. Before the expiration of the loan, if not all borrowers repaid loans on time, we should take the initiative to propose extension of the application. If a bank audit, needed the extension, the banks and borrowers and to sponsor (or mortgage, or out of) sign a "phased repayment agreement" as the original "loan contract," the annex. Loans extended only once, short-term loans shall not exceed yuan loans extended period, the medium-term loans extended period of no more than half of the original loan. If the loan period extended with the original loan period to reach a new level of interest rates period, extended from the date of loan interest by the new deadline for resumption of the interest rate level. If the borrower before the expiration of the loan applications by extension, although the proposed loan or extension of the application, but not approved by the banks, loans from the day following the date of maturity, the banks according to the daily rate of 0.4 ‰ to Faxi, until Principal and interest recovery loans.
The loans for housing construction procedures and related matters
Non-enterprise development loans for housing construction and building trade unions for the sale of the contents of a housing loan in fixed assets. The development of enterprise applications for non-housing construction loans in addition to the development of reserves required of enterprises applying for loans (1) to (5) and (8) to (9), seven conditions, they also need to have the approval of the departments in charge of housing construction plan and Self-financing to achieve the required ratio, the general in more than 60 percent. By bank survey to assess if the housing construction loans in line with the relevant requirements, after approval, will be signed with the various housing loan contract, get housing construction loans. Non-development of enterprises access to housing construction loan procedures and enterprise access to housing development loans in process is basically the same.
Three applications for housing construction loans policy procedures and related matters
If the development of enterprise applications for policy development or construction of housing loans, housing funds required to make an application management centre, housing fund management center included in the housing finance scheme, and based on the housing fund management center housing units commissioned loan approach, in accordance with the housing fund management center Housing units commissioned loan approval procedures for housing construction loans. Policy of housing construction loans based on the amount of the construction unit of the demand for funds from the housing fund management center arrangements. Loan period is generally one to three years, the implementation of the People's Bank lending rate under the fixed asset lending rates. Quarterly income statements loans, overdue loans and loans based on the People's Bank of embezzlement, respectively, in accordance with the interest rate on the interest rate 0.4 ‰ and 0.60.4 ‰ Faxi.
Units in the building of housing policy for loans, housing fund management center to provide two loan applications, filled out a "unit housing loan application forms" one-third, to submit copies of business licenses, the recent accounting statements, the Planning Commission, the project investment plan And city and district planning and construction of new residential sector issued by the "construction project planning permits" and "construction work permits" (a housing project if the local matching funds loan, to provide the city Planning Commission and other departments jointly issued the housing project Investment plans, and the city issued by the home run, "a well-off residential development and construction of single-mandate", "well-off residential waiver of taxes and fees that" the project document); new residential floor plan or the plan; borrowing units and the security units of the security agreement signed ; Security unit recent accounting statements; borrowing units and the bank signed by the mortgage agreement; mortgage loan units of the security assessment report, and other information. Housing fund management center after the first instance that the loan conditions, began an assessment commissioned by the lending bank audit, and then by the housing fund management center approval, upon approval, will be commissioned by the bank loans specific procedures.
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