Purchase of real estate loan
Real estate financing in a broad sense refers to a series of financial activities such as fund raising, financing and related services through currency circulation and credit channels in the process of real estate development, circulation and consumption, including fund raising, utilization and liquidation.
Narrow real estate financing is the sum of direct and indirect financing of real estate enterprises and real estate projects, including real estate credit and capital market financing.
The purpose, types and ways of real estate project financing are varied, but the simple, direct and clear description is two words: change. Finding money and finding rich enterprises, institutions and individuals has become the most important job for many real estate owners every day. Many real estate enterprises have also started to set up specialized financing institutions or departments, and will also recruit some financing managers or senior managers with successful financing experience and mature financing channels. These bosses or financiers spend most of their time talking with "rich enterprises, institutions or individuals" about projects, financing and signing contracts. And these rich enterprises, institutions or individuals are resisted by them to become "silver owners", a very playful title, the protagonist of a story that will never exist in financing activities, a tool that financing intermediaries (brokers) make good use of, and an excuse to kill people for money.
The first premise of real estate enterprise financing is to analyze the situation of the enterprise itself and the project. Why do financiers love this project? And evaluate the project according to the market value; Secondly, and most importantly, how to ensure the financial security of the financier during the financing process? That is to say, the transaction structure design of financing funds in and out should fully consider the absolute requirements of financing parties for the safety of funds.
In fact, in the financing activities of the real estate industry in China, successful financing cases are extremely rare. For example, listing financing, which most housing enterprises do not have, can not wait. The financing methods suitable for China's real estate enterprises include equity financing, acquisition financing and financial financing (see the article "Practical Research on Financing Operation of Real Estate Projects" for specific concept description).