A commercial bank may lend on the security of a first lien on real property or a first lien on a leasehold under a lease which does not expire, or which has been extended or renewed so that it does not expire, for at least years beyond the maturity date of the loan, if: (

a) The term of the loan does not exceed years and the amount does not exceed percent of the sound market value of the property or leasehold, together with the improvements located on the property which are made subject to the lien, as determined by proper appraisal. (

b) The term of the loan does not exceed years, is repayable in substantially equal installments not less often than monthly (or a variation therefrom as may be authorized under a loan executed pursuant to

Section 1916.5 or 1916.8 of the Civil Code), with payments commencing not later than days from the date of the loan or, in the case of a construction loan, commencing not later than one year from the date of the loan, and the amount does not exceed percent of the sound market value of the property or leasehold, together with the improvements located on the property which are made subject to the lien, as determined by proper appraisal, provided, however, the loan may exceed percent of the sound market value of the property or leasehold if that portion of the loan which is in excess of percent is guaranteed or insured by a private insurer licensed by the Insurance Commissioner. (

c) The loan is made pursuant to and in conformance with regulations adopted under

Section 1916.12 of the Civil Code. (

d) The loan is on a farm or productive agricultural lands, the term does not exceed years, is repayable in substantially equal installments not less often than annually, and the amount does not exceed percent of the sound market value of the property or leasehold, together with the improvements located on the property which are made subject to the lien, as determined by proper appraisal. (

e) The term of the loan does not exceed six months and the amount does not exceed percent of the sound market value of the property or leasehold, together with the improvements located on the property which are made subject to the lien, as determined by proper appraisal. (

f) The term of the loan does not exceed months, the amount does not exceed percent of the sound market value of the property or leasehold, together with the improvements located on the property which are made subject to the lien, as determined by proper appraisal, and the loan is for the purpose of financing building operations under a plan providing for payment of the loan or providing for refinancing by loans otherwise permitted by this chapter. A commercial bank may make a loan without regard to the above restrictions when necessary to facilitate the sale of real property owned by the bank.