What Is a Mortgage Yield?
Mortgage debt refers specifically to a debt asset with a 50% mortgage on the property, which is directly registered, can be quickly re-monetized, and has good credit and risk hedging support. It was operated by Sun Dunhao of Wuseritu in 2003.
Mortgage debt
Right!
- Chinese name
- Mortgage debt
- Foreign name
- Real estate backed investment
- Mortgage debt refers specifically to a debt asset with a 50% mortgage on the property, which is directly registered, can be quickly re-monetized, and has good credit and risk hedging support. It was operated by Sun Dunhao of Wuseritu in 2003.
- Mortgage debt refers specifically to a debt asset with a 50% mortgage on the property, which can be directly registered, can be quickly re-monetized, and has good credit and risk hedging support. This kind of investment and wealth management product was first created by Sun Dunhao of Wuisetu in 2003, and was developed by Shanghai Wuseitu Mortgage Co., Ltd. operates. Since 2003, the actual annualized rate of return of the colored earth mortgage bond is about 7%.
- Direct Mortgage of Real Estate: The real estate of the borrower is directly mortgaged to the investor's name and the assets are under control.
- Direct transfer of funds: The investor's funds are directly delivered to the borrower, and the transaction is transparent.
- 50% mortgage rate: Mortgage rate = Proportion of investment amount to market value of mortgaged property. The mortgaged real estates are mature properties such as residential houses, shops, and office buildings in circulation, which can strongly resist the risk of market fluctuations.
- Good credit: Wuseitu is responsible for credit review of borrowers. Mortgage and good credit are indispensable.
- Hedged assets: Five-colored soil is only responsible for pre-loan risk control, loan management and post-loan risk disposal. It does not participate in capital transactions. To ensure that the responsibility of auditing of five-colored soil is not missed, Five-colored Soil is prepared to hedge assets at 10% of the loan balance.
- Real estate trust products generally also have real estate mortgage guarantees. However, the mortgaged real estate is mostly under development. At the same time, the real estate under development is not directly mortgaged to the investor but to the trust company. The mortgage-secured properties of the Wuseitu mortgage debt are all listed and circulated real estate, and they are directly mortgaged to the specific investor's name.
- The difference between mortgage debt and US subprime mortgages:
- U.S. subprime mortgages are also financial products backed by real estate mortgages. However, the mortgage ratio is as high as 70% to 90%. At the same time, banks have relaxed the review of subprime mortgage borrowers. Many borrowers have lower credit scores and many borrowers. Belongs to low-income and vulnerable groups. The property mortgage rate of Wuseitu soil is generally around 50%. Wuseitu soil has a strict review of the borrower's solvency. Most borrowers of Wuseite soil are small business owners.