The basic task of real estate finance is to use a variety of financial means and financial instruments to raise and finance funds, support the development, circulation and consumption of real estate, promote the virtuous circle of funds in the process of real estate reproduction, and ensure the smooth progress of real estate reproduction.
The contents of real estate finance business mainly include absorbing real estate funds, starting housing savings, handling real estate loans, especially real estate mortgage loans, engaging in real estate investment, trust, insurance, pawn and currency settlement, and acting as an agent for the issuance and trading of real estate securities.
Real estate finance includes policy real estate finance and commercial real estate finance. Policy real estate finance is mainly housing reform finance, which is a series of financial activities related to housing system reform.
Question 2: The concept of real estate finance can be divided into broad sense and narrow sense. Real estate finance in a broad sense is all financial activities related to real estate activities. The narrow sense of real estate finance is manifested in some specific financial forms, such as issuing bonds to real estate banks, setting up housing savings institutions, arranging the listing of real estate enterprises and funds, setting up mortgage securities companies, and securitization of mortgage loans. One view is that the simplest meaning of real estate finance is the financing of real estate funds. In fact, the financing of real estate funds is not equal to real estate finance. Financing is a major aspect of real estate finance, including real estate credit financing, real estate equity financing, real estate bond financing and trust financing. Real estate finance has many other financial functions besides financing, such as real estate insurance, real estate trust, real estate securities, real estate pawn and so on. The present situation of China's real estate finance is that it has not yet formed real real estate finance.
Question 3: Classification of real estate finance. Real estate finance includes policy real estate finance and commercial real estate finance. Policy real estate finance is mainly housing reform finance, which is a series of financial activities related to housing system reform. Real estate in a broad sense is a general term for land and houses, so real estate finance can be further divided into real estate finance and real estate finance. Real estate finance, also known as land finance, refers to the financing activities around the paid use of land. It can be divided into urban finance and agricultural land finance. Urban land finance refers to financing activities around urban land development, construction and operation, including urban land requisition finance, urban land consolidation finance, urban land transfer and operation finance. Agricultural land finance is a financing activity around the development, production and management of agricultural land, which is also called agricultural finance abroad, mainly including agricultural land expropriation finance, agricultural land improvement finance and agricultural land management finance. Compared with the two, the former has a higher degree of monetization and loan interest rate, and the loaned funds are easy to recover, and the repayment period is short, and installment repayment is more common; The latter is usually in line with the land policies of various countries. With the support of * * * *, the term of granting loans is very long, usually as long as several years, more than ten years or even decades, and it is not for profit. In China, agricultural finance can be divided into broad sense and narrow sense. Agricultural finance in a broad sense is also called rural finance, including all financial activities related to rural production and operation, such as taking deposits, issuing loans, handling settlement, cash management, rural credit cooperation, etc. Narrow agricultural finance refers to agricultural land management finance related to agricultural production activities. The main contents and tasks of real estate finance (I) The main contents of real estate finance As a branch of economics, real estate finance is a highly applied subject, which mainly studies the movement and regularity of financial intermediation in the real estate economy, which is different from ordinary industrial and commercial enterprises. In China, real estate finance is a new discipline with rich contents, which mainly includes: absorbing real estate deposits, starting housing savings, handling real estate loans, especially real estate mortgage loans and real estate mortgage loans, engaging in real estate investment, trust, insurance, pawn and currency settlement, issuing real estate stocks and bonds, real estate trust investment, real estate insurance, real estate financial risks, real estate guarantee mechanism, real estate financial tax system, real estate financial market and so on. At present, China's financial system reform is facing the trend of further deepening, and the real estate financial system is gradually being explored and established. (II) Tasks of Real Estate Finance The basic task of real estate finance is to use various financing methods and financial instruments to raise and finance funds, support the development, circulation and consumption of real estate, promote the virtuous circle of funds in the process of real estate reproduction, and ensure the smooth progress of real estate reproduction. (III) Real estate financial system The so-called real estate financial system refers to the financial institution system established around real estate financing and the market system aimed at improving the liquidity of mortgage loans. At present, China's real estate financial system is dominated by the primary market, and the secondary market has not really been established. Although the primary market system includes commercial banks, housing savings banks, non-bank financial institutions, housing provident fund centers and other institutions, it is still dominated by commercial banks. Specialized real estate mortgage institutions, investment institutions, guarantee institutions, guarantee institutions and other institutions have not yet been established, and specialized intermediary service institutions such as asset evaluation, credit evaluation and legal consultation are not fully developed or are only in the initial stage, and a diversified support system and risk sharing system have not been formed. China's real estate financial market is still in the primary stage, and there is no perfect multi-level market system. The establishment of a developed and relatively specialized real estate financial system is due to the huge amount of funds needed for real estate investment and consumption, which is far from being comparable to general financing activities. The real estate industry takes up a long period of capital, especially the mortgage loan for residents to buy houses, which can last up to 30 years. These characteristics of real estate make real estate finance different from general financial activities, and the financial risks contained in real estate finance are far from comparable to other financial activities. Therefore, establish an effective mechanism and corresponding system, so that * * * can directly or indirectly regulate the real estate market through it and guard against systemic risks. The basic feature of real estate finance is 1. Real estate is used as collateral to ensure the repayment of the loan, that is, the borrower mortgages the land and buildings on the land to the lender to ensure the performance of the loan contract. If the borrower violates the repayment agreement, the lender has the right to confiscate the collateral and sell it (auction) to make up for the loan loss. 2. This is the nature of "non-negotiable mortgage" ... >>
Question 4: What does financial real estate mean? Compare insurance to real estate, because there are similarities between insurance and real estate.
Examples of similar points: all of them are long-term and continuous investment behaviors, aiming at stabilizing value-added and maintaining value, including fixed return part and uncertain expected future part.
The most fundamental difference lies in the fluidity and uncertainty of the house, and the fixity and absolute certainty of insurance. Several financial assets should complement each other to form a stable financial "real estate" for families, which can be attacked and defended when they are proud and icing on the cake when they are frustrated.
Question 5: What is financial real estate? Financial real estate and real estate finance are basically two different things.
Real estate finance is all financial activities related to real estate activities.
Financial real estate is a real estate activity that relies on capital operation and multiple investments to increase value. Features: Involved in all aspects of real estate development from the perspective of capital, focusing on asset appreciation and cash recovery through the combination of development outsourcing and concept upgrading. Profit characteristics: The profit source runs through all links of the real estate industry chain, including short-term participation in development and sales to recover investment and long-term rental income, and the overall profit is rich. Capital demand: high capital demand and strong liquidity requirements. Core competence: financing ability, asset management ability and investment analysis ability. Development trend: One of the main modes of foreign real estate operation, which has just started in China, has broad prospects with the development of the market. Representative enterprise: ING
Question 6: What is real estate finance business, such as house mortgage and house loan?
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Question 7: China's real estate finance can be summarized as why and what. China's real estate finance can be simply summarized as land mortgage and real estate mortgage. Land mortgage means that real estate developers usually use bank funds to get land, and then mortgage it to the bank. Then, after the construction starts, we will make a pre-sale and use the money of the buyers to go to Gai Lou. Real estate mortgage means that the people mortgage the buildings they buy to the bank, and then the bank gives the money to the real estate developers. Real estate developers buy land with bank money again and again. In this process, real estate developers only use a small part of funds to incite a large amount of capital inflows and earn profits.
Question 8: What is "financial real estate"? Simply understand the real estate sector, banking stocks, insurance stocks and brokerage stocks.
Question 9: What about real estate finance? How to find employment can enter real estate development companies, banks, real estate related departments (real estate bureau, housing and construction bureau, land and resources bureau, etc. ) or take a general direction, such as financial work.
Question 10: What does the whole industrial chain of real estate finance mean? People in the real estate industry are familiar with the "5983 model", that is, the project starts in May after land acquisition, opens for sale in 9 months, the first phase of sales is 80% completed, and the project is completed in 3 years. Such operational efficiency means that the profit margin of housing enterprises from high turnover has reached the extreme. With the increase of land price and the policy restriction of sales end, the decline of industry profit rate is a foregone conclusion.
In this context, how to improve the profit rate of housing enterprises, that is, the entire industrial chain of real estate finance.
How?
Profit from the industrial chain, from the simple real estate development management in the past, to land acquisition, industrial introduction and many other links, profit from every link. The era of high profit rate in real estate development has ended, and the secret of enterprises' continued survival is to expand the industrial chain and profit from all links; Real estate+finance will become a new form of high-end real estate industry in the future.
Drawing lessons from the operation mode of American real estate funds, the owners of most schools and nursing homes in the United States are neither individual bosses nor a real estate developer, but real estate funds, and the real holders of real estate funds are institutional investors who open accounts, trade and buy stocks in American stock exchanges. If we learn from this method in China, domestic real estate funds can also set up funds and issue them on the Shanghai Stock Exchange and Shenzhen Stock Exchange, and use the raised funds to invest in schools and hospitals to improve infrastructure construction.
This is the so-called real estate+financial model.
For reference.