What Is a Small Business Real Estate Loan?

Real estate development loans refer to medium and long-term project loans issued to real estate development enterprises for housing, commercial housing and other real estate development and construction. The objects of real estate loans are registered state-owned, collective, foreign-invested and joint-stock enterprises with real estate development and management rights. The term of a real estate development loan generally does not exceed three years (including three years). In principle, loans should be secured by mortgages or government bonds, certificates of deposit and borrowers with written disbursement rights that the borrower has the right to dispose of. The insufficient guarantee capacity can be guaranteed.

Real estate development loan

Real estate development loans refer to

According to the development content, there are the following types of real estate development loans:

1,

In addition to the conditions required for general loans,

Basic material

Legal person

1.RMB

1. RMB interest is calculated on the basis of 365 days a year.

Reduced real estate development loan quota authority,

On June 8, 2012, the People's Bank of China decided to reduce the benchmark interest rate for RMB deposits and loans of financial institutions from June 8, 2012. The benchmark one-year deposit and loan interest rates of financial institutions were reduced by 0.25 percentage points, and the housing provident fund deposit and loan interest rates were also reduced simultaneously.

On July 6, 2011, the People's Bank of China decided to raise the benchmark interest rate for RMB deposits and loans of financial institutions by July 7, 2011. The benchmark one-year deposit and loan interest rates of financial institutions were raised by 0.25 percentage points, and the housing provident fund deposit and loan interest rates were also raised simultaneously.

On April 5, 2011, the People's Bank of China decided to increase the benchmark interest rate on RMB deposits and loans of financial institutions from April 6, 2011. The benchmark one-year deposit and loan interest rates of financial institutions were raised by 0.25 percentage points.

On February 8, 2011, the People's Bank of China decided to raise the benchmark interest rate for RMB deposits and loans of financial institutions from February 9, 2011. The one-year benchmark interest rates for deposits and loans of financial institutions were raised by 0.25 percentage points, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.

On December 25, 2010, the People's Bank of China decided to increase the benchmark interest rate on RMB deposits and loans of financial institutions from December 26, 2010. The one-year benchmark interest rates for deposits and loans of financial institutions were raised by 0.25 percentage points, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.

On October 19, 2010, from October 20, 2010, the interest rate on bank loans will be raised by the RMB deposit and loan benchmark rates for financial institutions. The benchmark one-year deposit interest rate of financial institutions was raised by 0.25 percentage points, from the current 2.25% to 2.50%; the benchmark one-year loan interest rate was increased by 0.25 percentage points, from the current 5.31% to 5.56%; other benchmarks for deposits and loans The interest rate is adjusted accordingly.

From November 27, 2008, starting from November 27, 2008, the one-year RMB deposit and loan benchmark interest rates for financial institutions will be reduced by 1.08 percentage points, and the other maturity grade deposit and loan benchmark interest rates will be adjusted accordingly. At the same time, interest rates such as refinancing and rediscounting by the Central Bank were reduced.

On October 29, 2008, from October 30, 2008, the one-year deposit benchmark interest rate was reduced from the current 3.87% to 3.60%, a decrease of 0.27 percentage points; the one-year loan benchmark interest rate was lowered from the current 6.93% to 6.66. %, Down by 0.27 percentage points; the benchmark interest rates for other grades of deposits and loans are adjusted accordingly. The personal housing provident fund loan interest rate remains unchanged.

On October 8, 2008, from October 9, 2008, the one-year RMB deposit and loan benchmark interest rates will be reduced by 0.27 percentage points; from October 15, 2008, the RMB deposit reserve ratio of deposit-type financial institutions will be reduced by 0.5 percentage points.

On September 15, 2008, from September 16, 2008, the one-year RMB loan benchmark interest rate will be reduced by 0.27 percentage points; from September 25, 2008, the RMB deposit reserve ratio of deposit-type financial institutions will be reduced by 1 percentage point.

On December 20, 2007, the one-year deposit benchmark interest rate was raised by 0.27 percentage points; the one-year loan benchmark interest rate was increased by 0.18 percentage points.

On September 15, 2007, the benchmark interest rate for RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On August 22, 2007, the benchmark interest rate for RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On July 20, 2007, the benchmark interest rate for RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On May 19, 2007, the benchmark one-year deposit interest rate was raised by 0.27 percentage points; the benchmark one-year loan interest rate was increased by 0.18 percentage points.

On March 18, 2007, the benchmark interest rate for RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On August 19, 2006, the one-year deposit and loan benchmark interest rates were raised by 0.27%.

On April 28, 2006, the loan interest rate of financial institutions was raised by 0.27% to 5.85%.

On March 17, 2005, the interest rate on housing loans was raised.

On October 29, 2004, the one-year deposit and loan interest rates were raised by 0.27%.

On July 11, 1993, the one-year time deposit rate was increased from 9.18% to 10.98%.

On May 15, 1993, the annual interest rates of various grades of fixed deposits increased by an average of 2.18%, and the interest rates of various loans increased by an average of 0.82%.

Real estate development loans are currently available in various

At the end of 2004, real estate developer loans were 781.09 billion yuan, and at the end of the first quarter of 2005 it was 817.75 billion yuan. In terms of growth rate, before March 2004, the growth rate of real estate developer loans was above 40%. Since the fourth quarter of 2004, the growth rate of real estate developer loans has fallen below 20%, and at the end of 2004, the growth rate has dropped to 17.3%. In the first quarter of 2005, the growth rate has further decreased to 15%, which is close to the growth rate of all RMB loans in financial institutions. Developer loan growth was initially controlled.

At the end of the first quarter of 2005, 817.75 billion yuan of real estate developer loans included: (1) housing development loans of 460.18 billion yuan, accounting for 56.3%, of which 146.83 billion yuan of affordable housing development loans, accounting for 17.9% of real estate developer loans; (2) Real estate development enterprise working capital loans were 160.54 billion yuan, accounting for 19.6%; (3) Real estate development loans were 158.64 billion yuan, accounting for 19.4%, of which government land reserve agency loans were 95.02 billion yuan, accounting for 11.6% of real estate developer loans; (4) Commercial housing development loans totaled 38.39 billion yuan, accounting for 4.7%.

Review and Prospect of China's Listed Banks in 2012

The 2012 Review and Outlook of China's Listed Banks reports that the total real estate loans of 17 listed banks in China in 2012 totaled 3.16 trillion yuan, a year-on-year increase of 4.08% and a decrease of 0.86 percentage points. From the perspective of personal housing loans, as of the end of 2012, the total loan amount was 7.2 trillion yuan, up 12.6% year-on-year, and the growth rate fell 1.74 percentage points. The proportion of personal loans fell from 66.19% in the previous year to 62.8%.

The report pointed out that the weighted average capital adequacy ratio and weighted average core capital adequacy ratio of 17 listed banks at the end of 2012 were 13.18% and 10.17%, respectively, which are higher than the levels of 12.61% and 9.74% at the end of 2011, and continue to meet regulatory requirements .