What Is the Collateral Source Rule?
The full name of the mortgage bank is "real estate mortgage bank". Refers to banks that specialize in long-term loan business using land, housing and other real estate as collateral. It is part of the mortgage market. The source of funds of the mortgage bank is mainly raised by issuing real estate mortgage securities, and it can also raise funds by discounting short-term notes and issuing bonds. Mortgage banks do not accept deposits and do not operate settlement businesses. They are specialized mortgage intermediaries. The use of funds by mortgage banks is mainly long-term loans with land as collateral, followed by loans with real estate as collateral. [1]
Mortgage bank
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- The full name of the mortgage bank is "real estate mortgage bank". Refers to banks that specialize in long-term loan business using land, housing and other real estate as collateral. It is part of the mortgage market. The source of funds of the mortgage bank is mainly raised by issuing real estate mortgage securities, and it can also raise funds by discounting short-term notes and issuing bonds. Mortgage banks do not accept deposits and do not operate settlement businesses. They are specialized mortgage intermediaries. The use of funds by mortgage banks is mainly long-term loans with land as collateral, followed by loans with real estate as collateral. [1]
- French real estate credit banks, German private mortgage banks and public mortgage banks, etc., all belong to this category. In addition, such banks also accept stocks, bonds and gold as collateral for loans.
- mortgage
- Mortgage bank funding sources: mainly raised by issuing real estate mortgage securities, but also through short-term
- Mortgage bank
- Mortgage banks do not accept deposits and do not operate settlement businesses. They are specialized mortgage intermediaries. Mortgage banks are not real lenders, but they do get residential mortgages.
- There are two types of use of funds:
- One type is long-term loans that use land as collateral, and the objects of the loan are mainly land owners or farmers.
- The other type of loan is urban real estate as collateral, and the object of the loan is mainly the owner of the house or the capitalist who runs the building.
- Because real estate collateral is often not easy to sell during processing, it is easy to cause capital pressure, so there are not many specialized mortgage banks. Therefore, commercial banks are heavily involved in the real estate mortgage loan business, and many mortgage banks have also begun to operate general credit business. This mixed operation is intensifying.