First, real estate equipment financing.
1. Mainly elevators, air conditioners, fire fighting, building security systems and lighting equipment (including software and installation fees). As long as the prospects of real estate projects are good, real estate developers only need to raise 65,438+00-30% in cash (the requirement for self-financing for leasing is far lower than the standard of raising more than 30% for development loans), and the rest is financed by financial leasing companies. Financing lease can solve 10-30% of the funds for real estate development.
2. Time limit for recovering the leased real estate equipment.
The construction period of real estate projects such as houses for sale should be the lease grace period (that is, only interest is charged without principal). On the premise that the financial leasing company agrees that the developer sells the real estate, the starting point of equipment principal recovery is the pre-sale of the real estate project, and the net cash flow after deducting the pre-sale progress from the pre-sale income is rolled into the project development, which is first used to repay the rent, so as to ensure that the rent recovery progress is faster than the sales progress and avoid the suspension of the leased property and rent. In other words, the rent must be paid in full before the property is sold out. At least, the developer's profits can't be cashed, and the rent is not collected.
3. Equipment rental recovery of real estate (business and office) held by developers.
Financing lease of equipment in commercial and office real estate developed by developers for the purpose of holding is a typical lease form. The whole development and construction period of the project is the grace period of financing lease, and the rent is recovered from the real estate rental operation. However, the lease term and the rent amount of each period of financial leasing must be highly coordinated with the real estate rent situation (the frequency of rent collection and the rental income of real estate developers are used to repay the rent after deducting taxes and fees, and the distribution of increasing rental returns is high before and low after), which truly reflects the support of real estate developers for rent (the rental expenditure of financial leasing is guaranteed by rental income).
Second, revitalize the mature commercial properties held by developers.
Developers often hold a large number of high-quality commercial and office properties (long-term rental income, sharing property appreciation income), but it greatly limits the timely turnover of development funds. Although the operating property mortgage loan can also solve the funds of some high-end properties, banks have very strict norms on the quality and scale of properties and the quality of tenants, which is quite limited and can greatly reduce the financing amount (to ensure the safety of bank credit funds). Developers will finance their mature commercial properties through financial leasing companies, with lower financing threshold (for leasing companies, the market is broader) and larger financing amount. It can be dismantled according to the balance of the developer's rental income after deducting the operating expenses during the financial lease period, so that the developer can get more cash for the development of new projects in the current period.
Third, develop high-quality commercial real estate.
The subject matter of contemporary financial leasing is not simple machinery and equipment. Chinese and foreign laws and regulations stipulate that all movable property and immovable property listed in the fixed assets of enterprises can be used as lease items for financial leasing.