Commercial Real Estate (CRE)
Commercial real estate (CRE) loans include loans secured by liens on condominiums, leaseholds, cooperatives, forest tracts, land sales contracts, construction project loans, and—in the states that consider them real property—oil and mineral rights. National banks may make, arrange, purchase, or sell loans or extensions of credit secured by liens on interests in real estate.
You will find the standards for real-estate-related lending and associated activities by national banks in Real Estate Lending and Appraisals (12 CFR 34). For additional commercial real estate resources, see Appraisals.
Interagency Statement on Prudent Risk Management for Commercial Real Estate Lending (December 18, 2015)
Commercial Real Estate Lending (Comptroller’s Handbook, August 2013)
Real Estate Loans (Section 213) (Comptroller’s Handbook, March 1998)
Concentrations in Commercial Real Estate Lending (OCC 2006-46, December 2006), Guidance (Federal Register, December 12, 2006)
Guidelines for Capitalization of Interest on Loans (EC 229, May 1985)
Interagency Guidelines for Real Estate Lending Policies (OCC 1999-38, October 1999), Interagency Guidance
Residential Tract Development Lending (OCC 2005-32, September 2005), FAQ
Tax Lien Certificates (OCC 2004-39, August 2004)