【地產行業Tips】銀行審批CRE貸款的基準（貸款價值比/ 償債保障比）
很多人會關心，貸款申請提交之後，銀行究竟是如何審批並確定最終貸款額度的。所以今天寶爾資本Jewel Capital就用一篇短文來簡要說明下這個過程，以及銀行確定最終貸款金額的一些基準。 一般來說，銀行對於商業地產抵押貸款(Commercial Real Estate Loan, CRE Loan)申請的處理，有以下幾個程序： Step1 檢查申請報告完整性 Step2 出具貸款意向書 Step3 收取意向金 Step4 聘請估價師做估價報告 Step5 提交貸款審核委員會審核 Step6 出具貸款要約 Step7 進入貸款過戶程序 Step8 過戶 而銀行進行審批並得出最終貸款額度主要在Step5階段進行，本文旨在對該部分進行盡量細節的描述。 總的來說，銀行在審批CRE貸款時主要關注兩項指標：貸款價值比(Loan-to-Value, LTV)與償債保障比率(Debt Service Coverage Ratios, DSCR)。 1. 貸款價值比(Loan-to-Value, LTV) 所謂貸款價值比(LTV)是指貸款金額和抵押品價值的比例。計算
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