What property is Everbright Yunqi?

1. What property is Everbright Yunqi?

Everbright Yunqi Property is: Qibin Property, and the information of the property company is for reference only, subject to the actual property company.

The delivery date of Everbright Yunqi is December 31st, 223, and the information is for reference only. If you want to know the exact delivery date, you can contact the property manager by calling the 4 hotline.

2. What are the characteristics of commercial property mortgage loan of China Everbright Bank?

(1) The amount is high, meeting the large financing demand;

(2) Long term, saving the cost of frequent loan renewal;

(3) It has a wide range of uses, and all legal and compliant purposes;

(4) One-time credit granting, and the credit line is recycled;

III. What are the advantages of operating property mortgage loan

Core tip: operating property mortgage loan is a loan that takes the stable cash flow generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for expanding, rebuilding and decorating the above operating assets.

It was only started because of the mortgage loan for operating property, and Xiaobian is also inquired from the person in charge of the Industrial and Commercial Bank. Mortgage loan for operating property is a loan that takes the stable cash flow (including but not limited to fee income, rental income and operating income, hereinafter collectively referred to as operating income) generated by the operating assets that the borrower has purchased or built and put into operation as the first repayment source to meet the financing needs of the borrower for expanding, rebuilding and decorating the above operating assets.

To put it bluntly, the mortgage loan for operating property is a loan that uses the commercial house in your hand as a mortgage, and then uses the income from this door as the first repayment source. Seeing this, there must be a creative friend complaining about Xiaobian, saying that such a large set of business property mortgage loans have anything to do with small owners like me. Xiaobian tells you that the relationship is big!

entrepreneurs must pay attention to this sentence, because the shopping mall mentioned in the operating property mortgage loan includes shops in the commodity trading market! This threshold has already dropped very low!

Industrial and Commercial Bank's operating property mortgage loan

It is worth mentioning that the property mentioned in the operating property mortgage loan is exquisite, which refers to the commercial business premises and office premises that have been completed and put into commercial operation, with standardized operation and management, stable operating profit, abundant cash flow, stable repayment source, clear and complete property rights and good comprehensive income, including shopping malls (including shops in commodity trading markets! ), commodity trading markets, office buildings, star-rated hotels, hotels, warehouse facilities and comprehensive commercial facilities of factories, etc.

by the way, the occupancy rate of hotels and guesthouses is better than 6% in principle, the occupancy rate of office buildings is higher than 7% in principle, and the occupancy rate of trading markets is higher than 8% in principle.

generally speaking, the number of mortgage loans for operating properties will be determined after comprehensive consideration of the borrower's financing needs, existing financing and other related factors, and it must be the most reasonable amount within the maximum credit line.

the term of mortgage loan for operating property shall not exceed 5 years (including 5 years) at the longest, and the maturity date of the loan shall be at least 3 years (including 3 years) earlier than the termination date of the borrower's operating period of operating assets, and at the same time, at least 3 years (including 3 years) earlier than the termination date of the operating period of operating assets.

iv. Can the operating property mortgage loan repay the shareholder's loan?

Yes

The purpose of the loan is to repay the shareholder's loan amount and other payables and long-term payables. If the purpose of the loan is to replace other banks' loans, check the balance of the applicant's loans and the situation of the replaced loans in the credit information system of the People's Bank of China for verification, and verify whether the amount of the applicant's long-term and short-term loans is consistent with the amount of the proposed replacement of other banks' loans, and check whether the formation time of continuous annual loans is consistent with that of.

Operating property mortgage refers to the stable cash flow (including but not limited to fee collection, collectively referred to as operating income) generated by borrowers who have purchased or completed putting into use.