Real Estate Financing Lawyers in China

Real-estate financing should not be reduced to a loan amount and mortgage. The file must connect borrower and sponsor authority, land and building rights, project approvals and construction status, existing liens and restrictions, valuation and income assumptions, presale or lease cash flows, account controls, guarantees and other credit support, registration and priority, draw conditions, covenants, default triggers, restructuring options, and the practical route to realize security.

Questions that change the route

What property interest and project stage support the financing?

Verify the land or building right, owner, parcel and boundaries, granted or allocated status, permitted use and term, planning and construction approvals, completion and acceptance, presale or ownership certificates, leases, existing mortgages, seizures, disputes, taxes, unpaid project claims, and transfer restrictions.

Which entities, revenues, and controls repay the debt?

Map borrower, sponsor, developer, project company, contractors, buyers and tenants; sources and uses; equity and shareholder loans; construction budget; presale, rent and sale proceeds; regulated or supervised accounts; waterfall; leakage; distributions; related-party payments; FX; tax; insurance; and information covenants.

Is each security and enforcement step valid and executable?

Test corporate authorization and benefit, mortgage scope and registration, guarantees, pledges of equity or receivables, account controls, assignments, subordination, intercreditor terms, priority, further assurance, preservation, enforcement valuation and sale, tenant and buyer interests, insolvency effects, cure, standstill, workout and release mechanics.

Evidence to organize first

• Borrower, sponsor and ownership chart; constitutional documents and approvals; financing, intercreditor and hedging documents; sources-and-uses, financial model, valuation, tax and repayment analysis
• Land and building register extracts and certificates, grant and transfer documents, planning and construction approvals, completion and acceptance, presale records, leases, project contracts, existing liens, seizures, disputes and insurance
• Mortgage, guarantee, equity and receivables pledge, account-control and assignment documents; registration receipts and searches; covenant and condition-precedent checklist; draw and payment ledger; default, reservation, preservation, workout and enforcement file

Official orientation sources: Civil Code · SPC interpretation of the Civil Code security system. Source check: 8 October 2026.