Hotel fixed assets loan process

First, the hotel fixed assets loan process

The hotel fixed assets loan process is as follows:

1. Accept the loan

Customers should provide information in compliance with regulations and perform the statutory management procedures for fixed assets investment projects in accordance with regulations; Qualified countries; The borrower shall open a basic deposit account or general deposit account in a branch and hold a loan card issued by the People's Bank of China; Can provide legal and effective guarantee.

2. Due diligence

The borrower submits materials and promises to conduct due diligence on the materials provided and write an investigation report; The appraisers mainly evaluate the target product market, project financing scheme, project technical and financial feasibility, repayment source reliability, guarantee, insurance, environmental protection and safety of borrowers and project sponsors.

3. Loan review

According to the principle of separating loan review from grading approval, it shall be reported to the loan review committee of the Head Office for approval.

sign

The withdrawal conditions agreed in the contract should include the requirements that the capital in the same proportion as the loan has been fully paid, and the actual progress of the project matches the investment amount. Require the borrower to make a commitment to the important contents related to the loan in the contract.

If there is an agreement on the special repayment reserve account, the lender shall transfer the fixed assets investment project or the ratio of the borrower's income to cash flow and the average stock of funds in the account to the account according to the agreed requirements.

6. Review withdrawal conditions

Before granting the loan, check whether the borrower meets the withdrawal conditions agreed in this contract, and use the loan funds for the agreed purposes according to the payment method agreed in this contract.

7. Loan issuance and payment

After the loan notice is submitted for review, the payment shall be made through the agreed account according to the payment method agreed in the contract, and the project capital in the same proportion as the loan to be issued shall be confirmed to be in place in full and used together with the loan; In the process of loan issuance and payment, according to the contract, you can negotiate with the borrower to supplement the contract and stop the issuance and payment of loan funds.

8. Loans

Regularly check and analyze the performance and credit status of borrowers and project sponsors, fluctuations in project construction and transportation, and changes in loan guarantees, and establish a risk early warning system. In case of adverse circumstances that may affect the loan safety, the lender shall re-evaluate the loan risk and take targeted measures; Establish a post-loan dynamic monitoring and revaluation system of collateral value and guarantor's guarantee ability.

9. Repay the loan

10. Return other collateral warrants.

Second, the fixed assets loan process

Legal analysis: fixed assets loan process: loan acceptance; The bank conducts due diligence; Loan review and approval; Sign mortgage and loan contracts; Implement account monitoring; Review exit conditions; Loan issuance and payment; Post-loan management; Repay the loan; The bank returned the warrants of other collateral.

Legal basis: Article 13 of the Interim Measures for Personal Loans.

After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

Article 23 of the Interim Measures for Personal Loans

The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Three, the project capital ratio and how to use the loan?

Different projects have different requirements for capital ratio. According to the Measures for the Administration of Fixed Assets Loans, the capital ratio shall not be lower than the loan ratio, that is, the capital shall be used first and then the project loan. However, in practice, loans are often used after all the capital has arrived.

Four, how to operate the fixed assets mortgage loan?

Every fixed asset mortgage process is different? What fixed assets are you?