Class of real estate development loans (including real estate development enterprises liquidity loans, real estate development loans) is the real estate development enterprises, for housing construction, land development in the course of the loan.
Object
The industrial and commercial administrative organs approved the registration of real estate development companies, as well as a real estate business development for the enterprises and institutions.
The basic conditions for loans
1, the basic urban credit cooperatives to open clearing accounts or general deposit accounts, operating income all or part of the urban credit cooperatives settlement;
2, the normal production and management, operation and management system sound and healthy financial position;
3, reputable, has scheduled the ability to repay the loan principal and interest;
4, the total project investment loans, the implementation of the various sources of funds for construction, which funds owned a total investment of not less than 30%;
5, to apply for loans of the project has been included in the state or local building development plan, departments have the right to approve the project proposals, feasibility study, Kuochusheji and other development projects related to the approval document;
6, to apply for loans of commercial housing development projects has been made, "the state-owned land use certificates", "Land and building permits", "construction project planning permit", "building construction permit" for a loan of land development projects , Has been made on land development planning department of planning control, and other conditions of the notice letter of approval;
7, the loan project works budget reasonable, true;
8, to provide adequate and effective value of mortgage, pledge or credit guarantee a high degree of security;
9, the lender requirements of the other conditions.
Class of loans for the development application of the information provided
1, the basic material
Corporate business license (and copies of copies) and construction management department that approved the qualification;
Corporate code certificate (copy and photocopies);
Legal representative of that signature samples (original and photocopies);
(Card) (originals and photocopies);
Financial departments or accounting (audit) firms approved the first three years of financial statements and audit reports. For new enterprises to set up businesses less than three years, since the establishment of the submission of the annual and recent statements;
The tax department seized a qualified tax registration certificate;
Profits and taxes liquidation table;
Contract (original and photocopies);
Articles of Association (original and photocopies).
Enterprise board member and principal responsible persons responsible for financial and signature lists and other samples.
If customers with limited liability company, Ltd., a joint venture or cooperative enterprise contract for the operation enterprises, or contract required the consent of the Board of Trustees of the resolution or document (original);
Loans from a client for the legal representative must provide enterprises authorized power of attorney (original)
2, loans material
Development and construction of the project feasibility study and approval documents (original and photocopies);
The right to approval of construction projects, implementation and development of the documents and plans (original and photocopies).
3, secured materials
By guarantee, mortgage or pledge of the different requests for materials.
Loan rates
Lending rates by the People's Bank of floating interest rates and urban credit cooperatives in the implementation of the relevant provisions.
Object
The industrial and commercial administrative organs approved the registration of real estate development companies, as well as a real estate business development for the enterprises and institutions.
The basic conditions for loans
1, the basic urban credit cooperatives to open clearing accounts or general deposit accounts, operating income all or part of the urban credit cooperatives settlement;
2, the normal production and management, operation and management system sound and healthy financial position;
3, reputable, has scheduled the ability to repay the loan principal and interest;
4, the total project investment loans, the implementation of the various sources of funds for construction, which funds owned a total investment of not less than 30%;
5, to apply for loans of the project has been included in the state or local building development plan, departments have the right to approve the project proposals, feasibility study, Kuochusheji and other development projects related to the approval document;
6, to apply for loans of commercial housing development projects has been made, "the state-owned land use certificates", "Land and building permits", "construction project planning permit", "building construction permit" for a loan of land development projects , Has been made on land development planning department of planning control, and other conditions of the notice letter of approval;
7, the loan project works budget reasonable, true;
8, to provide adequate and effective value of mortgage, pledge or credit guarantee a high degree of security;
9, the lender requirements of the other conditions.
Class of loans for the development application of the information provided
1, the basic material
Corporate business license (and copies of copies) and construction management department that approved the qualification;
Corporate code certificate (copy and photocopies);
Legal representative of that signature samples (original and photocopies);
(Card) (originals and photocopies);
Financial departments or accounting (audit) firms approved the first three years of financial statements and audit reports. For new enterprises to set up businesses less than three years, since the establishment of the submission of the annual and recent statements;
The tax department seized a qualified tax registration certificate;
Profits and taxes liquidation table;
Contract (original and photocopies);
Articles of Association (original and photocopies).
Enterprise board member and principal responsible persons responsible for financial and signature lists and other samples.
If customers with limited liability company, Ltd., a joint venture or cooperative enterprise contract for the operation enterprises, or contract required the consent of the Board of Trustees of the resolution or document (original);
Loans from a client for the legal representative must provide enterprises authorized power of attorney (original)
2, loans material
Development and construction of the project feasibility study and approval documents (original and photocopies);
The right to approval of construction projects, implementation and development of the documents and plans (original and photocopies).
3, secured materials
By guarantee, mortgage or pledge of the different requests for materials.
Loan rates
Lending rates by the People's Bank of floating interest rates and urban credit cooperatives in the implementation of the relevant provisions.
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