What Is a Real Estate Loan?
Real estate loans are loans that use real estate or are secured by real estate. The concept of real estate loans can be expressed from two perspectives. One is the use of loans for real estate loans. For example, the loans are used for real estate development or house renovation and repair, used to buy real estate (typically, urban residents buy commercial housing), and used to rent real estate (but relatively rare). The second refers to loans secured by real estate, specifically real estate mortgage loans. The loan may be used for real estate, or it may be used for other purposes. For example, a company uses real estate as a mortgage to bank loans and use the loan to purchase coal. A typical real estate loan is a combination of both, that is, the loan is used for both real estate and real estate as security.
Real estate loan
Right!
- Chinese name
- Real estate loan
- Attributes
- loan
- Nature
- Real estate secured loan
- Key words
- Real estate, loans
- Real estate loans are loans that use real estate or are secured by real estate. The concept of real estate loans can be expressed from two perspectives. One is the use of loans for real estate loans. For example, the loans are used for real estate development or house renovation and repair, used to buy real estate (typically, urban residents buy commercial housing), and used to rent real estate (but relatively rare). The second refers to loans secured by real estate, specifically real estate mortgage loans. The loan may be used for real estate, or it may be used for other purposes. For example, a company uses real estate as a mortgage to bank loans and use the loan to purchase coal. A typical real estate loan is a combination of both, that is, the loan is used for both real estate and real estate as security.
- At present, real estate loans are usually defined from the first perspective. For example, the Guidelines for the Risk Management of Real Estate Loans for Commercial Banks issued by the China Banking Regulatory Commission on August 30, 2004 defines: Or loans related to the development, operation and consumption of real estate. "