I. Types of loans According to different development contents, there are the following types of loans for real estate development: 1. Housing development loans refer to loans issued by banks to real estate development enterprises for the development and construction of housing for market sales. 2, commercial housing development loans, refers to the bank to real estate development enterprises for the development and construction of market sales, mainly for commercial activities rather than family housing loans. 3. Land development loans refer to loans for land development issued by banks to real estate development enterprises. 4. Working capital loans for real estate development enterprises refer to loans that real estate development enterprises need to apply for and have nothing to do with specific projects. Because it is still used to support real estate development, such loans are still real estate development loans. II. Application Conditions In addition to the requirements for general loans, borrowers applying for real estate development loans should also meet the following conditions: 1, and have a business license as an enterprise legal person. 2. The land use right of the loan project has been obtained, and the termination time of the land use right is longer than the loan termination time. 3, has obtained the loan project planning investment permit, construction permit, construction permit, export building permit, and has completed the project procedures, and all project documents are complete, true and effective. 4. The application purpose of the loan project is consistent with its function, and it can effectively meet the needs of local urban planning and real estate market. 5. 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 can meet the needs of additional budget due to inflation and unpredictability before the project is completed. 6, with a certain proportion of its own funds (generally should reach 30% of the total investment in the project budget), and can be put into the project construction before the bank loan. 7. Open an account in a bank to maintain normal business dealings. 8. The developer must insure the real estate under construction, and the first beneficiary is the loan bank. Three. Loan process 1. When applying for a loan, the borrower should first fill in the loan application form and provide relevant information according to the loan conditions and requirements put forward by the lender. 2. After accepting the borrower's application, the bank shall, according to the procedures stipulated by the bank, designate investigators to investigate whether the borrower meets the loan conditions, evaluate the feasibility and budgetary estimate of the project, and determine the loan risk. Put forward opinions on loan and non-loan, loan amount, term, interest rate and guarantee method. 3. The bank examiner shall examine and verify the investigation report, evaluation report and the data and documents provided by the investigators, and put forward the examination opinions. On the basis of investigation and review, the bank will approve the loan. The examination and approval authority of commercial housing development loans shall be implemented in accordance with the relevant provisions on medium and long-term loan authorization issued by banks. 4. If the lender agrees to the loan, it shall sign a loan contract with the borrower in accordance with the provisions of the general loan rules, and strictly review the legality, validity and reliability of the guarantee in accordance with relevant laws and regulations, and go through relevant procedures.
Second, how to deal with the developer's bankruptcy loan?
When the developer applies for bankruptcy, the owner's loan needs to continue to pay the purchase contract signed by the producer and the two legal relationships between the owner and the bank. The bankruptcy of the developer will lead to peace, and the owner requires the developer to double the deposit and compensate for the losses. According to Article 587 of the Civil Code, which came into effect in 202 1 1, the debtor shall take it back. If the party paying the deposit fails to perform the debt or the performance of the debt is not in conformity with the contract, so that the purpose of the contract cannot be achieved, and it has no right to request the return of the deposit or the performance of the debt is not in conformity with the purpose of the contract, it shall return the deposit twice. Article 107 of the Enterprise Bankruptcy Law of the People's Republic of China * * * If the people declare the debtor bankrupt according to the provisions of this law, they shall serve it on the debtor and the administrator within five days from the date of making the ruling, notify the known creditors within ten days from the date of making the ruling, and announce that the debtor's property is called bankruptcy property, and the creditor's rights enjoyed by the people when accepting the bankruptcy application are called bankruptcy debts.
Third, the loan to buy a house, the money between the developer and the bank, how does the owner do the work?
Loan to buy commercial housing. The sales staff of the preferred developer will issue a list of cooperative banks to the owners. After the buyer pays the down payment, he goes to the handling bank to handle the loan formalities.
After examining whether the lender has the loan qualification, the loan bank shall go through the loan formalities according to the regulations.
After the loan is put into operation, the lender will be notified to repay the loan on time every month, and the loan contract will take effect. At the same time, developers will sign purchase contracts with property buyers. This anti-fog business is done. The bank will transfer the loan to the developer today.
Fourth, how do developers get loans?
First, the preconditions for real estate developers to borrow from banks:
1. The project's own funds must reach a certain proportion (generally higher than 20% according to different projects).
2. Whether the project complies with national laws, regulations and policies.
3. Is the repayment source of the project sufficient?
4. The company's current financial situation
5. Can you provide sufficient and effective guarantee?
6. Whether the loan is used reasonably.
2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.