When a real estate project applies to a bank for financing, the bank has a high demand for information on real estate project financing. Real estate project financing is a complicated financing method among all financing methods, and the information to be provided will be more complicated, and the processing cycle will be longer, which requires the cooperation of real estate enterprises. When a real estate project applies for financing from a bank, it generally needs the following materials.
First of all, we need to provide basic information of the enterprise, including business license, articles of association, financial statements, enterprise introduction and other basic information, through which we can make a preliminary analysis of the enterprise. For example, the business license can show whether the enterprise has the qualification to engage in real estate project development and the relevant information of the legal representative; The articles of association can show the shareholders of the enterprise, and through layers of infiltration, we can see who the actual controller of the enterprise is, which is convenient for analyzing the strength of the enterprise; Through the financial statements, we can see the current financial situation of the enterprise, and analyzing the financial situation can effectively analyze the operating status and repayment ability of the enterprise; By collecting the basic information of enterprises, banks can understand the basic situation of enterprises and facilitate the later loan approval.
Secondly, enterprises should also provide project-related information, such as project feasibility report, project funding sources, project four certificates, development progress, etc. The feasibility report is an overall introduction to the project, including the area, development direction, expected income in the later period, investment funds and other information, which can give us a deeper understanding of the real estate project; The source of project funds is the planning of project development funds. General real estate projects will require a part of self-owned funds to be combined with financing funds, and the proportion of self-owned funds can show the ability of enterprises to raise funds by themselves. The four certificates of the project mainly refer to land use certificate, construction land use certificate, construction project planning permit and construction permit. If the enterprise obtains these four certificates, it will have the preconditions for the project to start and ensure the smooth development of the project. The development schedule is mainly about the arrangement of the project schedule, which can match the repayment rhythm of the project. Generally, the repayment method of fixed assets loans is partial repayment by stages. After reaching a fixed progress, part of the loans will be repaid according to the agreed amount.
Generally speaking, the real estate project loan is very complicated, which not only needs to provide a lot of information, but also the whole process is relatively long and needs more energy to deal with.