Property loan is provided to fulfill the capital demands to the property owner of small and micro companies or individuals. The capital demands include advertisement、decoration、equipment purchasing、property management、exchanging construction or other liability investments.
Area Criteria：In general, the commercial projects should be located at CBD、downtown area or famous tourist attraction, at which the commercial atmosphere is heavy. Industrial projects should have convenient transportation by land and water、dense industrial projects、obvious aggregation effect、strong property universality、and good usage condition.
Feature：◆ Period can be as long as 10 years
◆ Amount can be as much as RMB 30 million
◆ Property types: office building、shopping mall、restaurant and hotel、serviced apartment、chain supermarket、warehouse、terminal facilities、standard factories, etc.
◆ The main repayment mainly relies on loans from the operating income of the collateral, while other income serves as a supplementary source of repayment
◆ Property mortgage
◆ The borrower should be a natural person holding the property and a corporate entity holding the property.
◆ For personal property loan, borrower’s age plus loan duration cannot exceed 70 years
◆ Promise to allow supervision: closing supervision of property managerial income and expenditure、promise to do the certain corresponding fund settlement through our bank
◆ Tenant of the property should make the commitment for giving up the right of superior leasing property
◆ Bank、borrower、tenant should sign tripartite agreement
