What Is an Investment Property Mortgage?

Commercial property mortgage loans use real estate in the name of oneself or others as collateral to apply for a credit fund from a commercial bank for large-scale consumption or entrepreneurship. Its uses can include decoration, investment, and business purposes. After obtaining the credit funds, the lender will repay the principal and interest of the bank on a monthly basis within the agreed period according to the agreement with the bank.

Commercial Property Mortgage

Project Mortgage Application

Real estate warrants;

Project introduction materials can prove that the project has a superior geographical location and a strong business and commercial atmosphere;

Commercial property lease list and rental account proof;

Borrower qualification certificate issued by the real estate development authority and passed the annual inspection;

Borrower's business license and organization code certificate that passed the annual inspection;

The latest borrower's capital verification report and the company's articles of association;

Borrower

(1) The owner submits the application materials

(2) Actual survey of the project: Understand the project is located in a prosperous commercial area or central business district, with an excellent geographical location, convenient transportation, reasonable planning and design, complete supporting facilities and other external environments, and review the completeness of the project and company information.

(3) Project judgment: Communicate with the business department of the business cooperation bank to make a preliminary judgment on the operability of the project bank loan and the necessary supplementary information.

(4) Sign related consulting service contracts with the owner

(V) Banks accept project loan applications:

(6) Coordinating the evaluation and investigation of banking and risk control departments:

(7) Coordinating the appraisal results of the property designated by the professional appraisal institution of the bank:

(8) Coordinating the approval of loans by the bank loan review committee:

(9) Coordinating the bank to issue the loan confirmation and the bank to issue the loan:

(10) The consulting service fee shall be charged in accordance with the consulting service contract.