top of page

建筑贷款

建筑贷款是一种短期融资方式,用于在已获许可或已准备就绪的地块上开发非业主自用的独户住宅、多户住宅和多功能房产。开发房地产的过程始于找到理想的房产或项目。然后,您需要强大、可靠的金融合作伙伴来帮助您将项目变为现实。

对于需要从头到尾为房地产开发项目融资的企业来说,新建项目贷款是理想的解决方案。我们将进一步解释原因。


建筑贷款在几个关键方面与传统贷款不同:

  • 与传统抵押贷款不同,商业建筑贷款的贷款期限较短,通常为 12-18 个月,具体取决于建筑计划。
  • 申请和审批过程要彻底得多,需要审查建筑计划、施工时间表和每个开发阶段的细目预算。
  • 一旦建筑贷款获得批准,资金不会一次性发放。而是通过类似于信贷额度的贷款提取程序进行支付。
  • 随后的付款将根据已完成的开发阶段,通过一系列建筑提取程序直接支付给建筑商。在处理建筑提款之前,可能需要检查员进行评估。
  • 对于大多数建筑贷款,借款人在提取资金时支付利息,而不是支付全部贷款金额。
  • 施工完成后,贷款可转为传统抵押贷款,以简化还款流程。

Ground-up construction loans are the ideal solution for businesses in need of financing for their real estate development projects from start to finish. We will further explain why.


Construction loans differ from traditional loans in several key ways:

  • Unlike traditional mortgages, commercial construction loans offer short loan terms, typically for a period of 12-18 months, depending on construction plans.
  • The application and approval process is far more thorough, requiring a review of architectural plans, construction timelines, and line-item budgets for each phase of development.
  • Once approved for a construction loan, funds are not disbursed in a lump sum. Rather, disbursements are made through a loan draw process, similar to a line of credit.
  • Subsequent payments are made directly to builders through a series of construction draws based on the completed stages of development. These may require an inspector evaluation before the construction draws are processed.
  • For most construction loans, borrowers pay interest on funds as they are drawn and not on the entire loan amount.
  • Once construction is complete, loans can be converted into a traditional mortgage to simplify the repayment process.

下方申请

bottom of page