What Is Operating Property Mortgage?
Management nature Property The mortgage loan is a stable cash flow generated by the operating assets that the borrower has acquired or completed and put into operation as the first repayment source, which is used to meet the loan needs of the borrower to expand, rebuild and decorate the above operating assets.
With the successful opening of the first commercial property mortgage by ICBC, ICBC has made a breakthrough in its new business.
So there are friends to ask Xiaobian, what is operating property mortgage loans?
Because operating property mortgage loans only
Start
Xiao Bian is also from now on.
ICBC
The person in charge inquired about it.
The operating property mortgage loan is the stable cash flow generated by the operating assets that the borrower has acquired or completed and put into operation, including, but not limited to, the fee income, rental income and operating income, hereinafter referred to as operating income as the first repayment source, which is used to meet the loan needs of the borrower to expand, rebuild, and decorate the financing requirements of the above operating assets.
Operating property mortgage loan is to use your hand door and other commercial housing as collateral for loans, and then use the income of this gate as the first repayment source of loans.
There must be some friends who complain about Xiaobian, and say such a big set. What is the relationship between operating property mortgage loan and my small owner?
This entrepreneur must pay attention to that, because the shopping malls in the operating property mortgage loan include the shops in the commodity trading market, this threshold has already dropped very low.
ICBC operating property mortgage loan
It is worth mentioning that the property mentioned in the operating property mortgage loan is exquisite. It refers to the commercial operation and management standard, the stable operating profit, the stable cash flow, the stable source of repayment, the clear and complete property right, the real estate ownership certificate, the good comprehensive commercial business and office space, including the shopping malls (including commodity trading market shops, commodity trading markets, office buildings, star rated hotels, hotels, warehouse facilities and comprehensive industrial facilities).
On the other hand, the best occupancy rate of hotels and hotels is 60% higher than that of office buildings. The rental rate of office buildings is higher than 70% in principle, and the rental rate is higher than 80% in principle.
Generally speaking, the number of operating property mortgages will be determined after considering factors such as borrowers' financing needs and existing financing. It must be the most reasonable amount in the highest credit limit.
The term of operating property mortgage loan shall not exceed 5 years (including 5 years), and the maturity date of the loan shall be at least 3 years (including 3 years) of the borrower's termination date for the operation period of the operating assets, and at the same time, at least 3 years (including 3 years) of the termination date of the operation period of the operating assets.
It is necessary to remind Chuang you that operating property mortgage loans are limited to operating assets such as expansion, renovation and decoration of borrowers. They are not allowed to purchase and build new assets, nor are they allowed to enter the stock market or futures market in any form and to invest in equity capital and real estate projects. They can not be used for borrowing and lending illegal income, and other countries' laws and regulations clearly stipulate items that are not allowed to be operated.
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