Real estate trust: General developers entrust trust companies to issue trust plans for financing needs.
Housing mortgage loan: generally, after the house is bought, it is mortgaged to a bank or other loan company to obtain loan funds.
Real estate trust is a trust company as a financial institution to raise funds from qualified investors and finance qualified real estate developers. The funds are generally used as funds for real estate projects of real estate developers.
The threshold is generally 1 10,000 RMB, and the fixed term is generally 12-24 months. The income of qualified investors is generally fixed at the expected annualized rate of 7- 13%. Funds and income shall be paid in accordance with the trust agreement. It can be understood that trust companies, as docking investors and project financiers of financing platforms, are generally involved in the early stage. After the four certificates are complete, you can only do the same project with the company. A plate is very small, usually between 6 million and 300 million. At present, China has done a lot.
Extended data
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.
This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans when granting housing loans to individual residents.