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房地产开发贷款流程是什么？

浏览：59次 | 提问时间： 06-26 09:04
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记忆加温 06-26 09:04

房地产开发贷款流程，相关政府批文。开发资质证书。国有土地使用权证。建设用地规划许可证、建设工程规划许可证、建筑工程施工许可证、商品房销售(预售)许可证(开发阶段不用提供。国有建设用地使用权出让合同、土地付款凭证及缴税证明。在建项目可行性研究报告。拟“抵押”物业资产评估报告(此报告提供)。

等风来 06-26 09:13

房地产开发贷款操作流程:  递交申请——受理调查——项目评估——核查审批 办理手续——资料归档——贷后管理——收贷撤保

等风来 06-26 09:21

除一般贷款所要求的条件外，申请房地产开发贷款的借款人还应具备以下条件：1、有企业法人营业执照。2、已取得贷款搜索项目的土地使用权，且土地使用权终止时间长于贷款终止时间。3、已取得贷款项目规划投资许可证、建设许可证、开工许可证，外销房屋许可证，并完成各项立项手续，且全部立项文件完整、真实、有效。4、贷款项目申报用途与其功能相符，并能够有效地满足当地城市规划和房地产市场的需求。5、贷款项目工程预算、施工计划符合国家和当地政府的有关规定。工程预算投资总额能满足项目完工前由于通货膨胀及不可预见等因素追加预算的需要。6、具有一定比例的自有资金(一般应达到项目预算投资总额的30%)，并能够在银行贷款之前投入项目建设。7、在银行开立帐户保持正常业务往来。8、开发商须对建设的房地产进行保险，且第一受益人为贷款银行。

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