If the joint venture company is related to the borrowing company, even through the bank, it is also a related party transaction.
Second, what do you mean by loan filing?
There is no connection between the filing of the purchase contract and the approval of the bank loan. Usually, the mortgage purchase process, signing the purchase contract and loan contract-filing the purchase contract-handling the mortgage registration of the pre-purchased house-bank lending, is a normal process.
But suddenly one day, developers pursued the speed of bank lending, and bank credit was also relaxed. At this time, after the purchase contract and loan contract are signed, the bank will lend money. At this time, the purchase contract has not been filed, and the mortgage registration has not been completed. For property buyers and banks, there are the following risks: it cannot be said that there is no risk at all. The reason why developers and banks do this is because the Internet has signed a purchase contract.
Because, for most pre-sale commercial housing, the purchase contract is signed with the system software of the Housing Authority. When signing the purchase contract online and printing the contract online, the suite has been locked in the purchase system (it has been purchased by the owner) and the developer cannot resell it to a third party! Although the buyers may not get the contract at this time (many developers will inform the buyers to get the purchase contract only after the contract is filed, the mortgage registration announcement and the bank loan), if the developers need to sell the house to a third party, including renaming the purchase contract, they need to apply to the Housing Authority in person.
Three. Is the mortgage loan applied by a bank affiliated company to the bank a connected transaction?
The mortgage loan applied by a bank affiliated enterprise to a bank belongs to a connected transaction.
Related party transactions mainly include:
1. Transfer of the right to use or ownership of tangible assets. Tangible assets include commodities, products, houses and buildings, vehicles, machinery and equipment, tools and appliances.
2. Transfer of financial assets. Financial assets include accounts receivable, bills receivable, other accounts receivable, equity investment, debt investment and assets formed by derivative financial instruments.
Description of mortgage loan:
There are many pre-sale houses on the market at present. Property buyers need to make a good evaluation when buying a house pre-sold by a developer. Understand the strength and reputation of the developer, and avoid the failure to deliver the house on time or other quality problems due to the poor ability of the developer, resulting in the uninterrupted repayment of the property buyers but unable to move into the new house smoothly.
Four. Is the mortgage loan applied by a bank affiliated company to the bank a connected transaction?
A mortgage loan applied by a bank subsidiary to a bank.
Related party transactions mainly include:
1. Transfer of the right to use or ownership of tangible assets. Buildings, vehicles, machinery and equipment, tools and appliances, etc.
2. Transfer of financial assets. Financial assets include accounts receivable, bills receivable, other accounts receivable, equity investment, debt investment and assets formed by derivative financial instruments.
Description of mortgage loan:
At present, there are a large number of pre-sale houses on the market, and buyers need to make a good evaluation. In order to solve the developer's poor ability, unable to deliver the building as scheduled or other quality problems, buyers can't live in new houses without interruption.