What are the risks of enterprise financing project mortgage?

1. What are the risks of enterprise financing project mortgage? 1. Ownership risk The rights of projects under construction consist of land use rights and the ownership of Jian 'an projects. Land use rights can be obtained through allocation or transfer. The main risks are: whether the right subject is clear, whether there is ownership dispute, whether the set land area is clear, and whether the land use period is shorter than the loan period. 2. Value Risk The causes of value risk are: evaluation reasons, market reasons and ownership definition reasons. Due to the numerous real estate appraisal institutions, the appraisal level of appraisers is uneven. When the evaluation result is higher than the normal and reasonable market value, the risk of the loan increases sharply. Sometimes, in order to save the relevant expenses for developers, the loan officer estimates for himself. Due to the lack of professional evaluation knowledge, the error of estimation results may be great, which may also cause loan risk. 3. Quality Risk In order to reduce the development cost, in the bidding process of construction projects, after the implementation of the bill of quantities, the reasonable lowest price is one of the conditions for winning the bid, which makes the contractor bid with a very low quotation in order to win the bid. After winning the bid, there may be some illegal acts in the construction process, such as cutting corners, shoddy and shoddy, which may cause quality hidden dangers. When the mortgagee disposes of the project under construction, there are quality problems, and the disposal price will be much lower than the normal price, which will cause loan risk. 4. Registration of risk collateral Only after the mortgage registration, the loan bank is the real mortgagee and can enjoy the priority of compensation. Some loan banks do not handle mortgage registration, notarization and insurance procedures without authorization according to the reputation of developers. When the developer fails to perform the contract, it will cause loan risk. 5. Where the land management department and the real estate management department are separated, the land mortgage is registered in the land management department, and the projects under construction (including land) are registered in the real estate management department. When developers use separate land and projects under construction (including land) to apply for mortgage loans in different banks, and at the same time, because the information of the real estate management department and the land management department is not interoperable, they apply for mortgage registration respectively, resulting in the same land being mortgaged twice, which may cause loan risks. 6. Disposal of risks When the project under construction is disposed of, it will affect the image of the developer and the image of the development project. At the same time, the disposal behavior is unfair market behavior, which makes the disposal value of the project far lower than the market value, thus causing the risk that the loan cannot be fully recovered. The mortgage of the project under construction can avoid the above risks well, thus ensuring the mortgage of the project under construction well. Two. Overview Construction in progress refers to houses and other buildings under construction after approval. As a special form of mortgage, the mortgage of construction in progress is widely used by banks because of its advantages of accelerating capital flow and promoting capital financing, which can meet the needs of banks to expand customers and solve the financing needs of enterprises. However, the mortgage of the project under construction is different from the real estate mortgage that has obtained the house ownership certificate. The legal relationship of the mortgage of the project under construction is complex, with many uncertain factors and great risks. If the operation is improper, legal risks are likely to occur, leading to the loss of credit assets. In the process of development, enterprises also need certain funds to develop and expand the scale of enterprises, so enterprises can also raise funds by selling equity, mortgaging real estate or mortgaging projects under construction. There are certain risks in the financing process, so after financing, they also need to sign corresponding financing contracts, which should specify specific rights and obligations.