How to raise funds for real estate enterprises

1. Interest rate factors affecting commercial bank loans: central bank discount rate, loan term, deposit interest rate, loan interest rate risk, management loan cost and preferential interest rate.

2. Types of loans of domestic commercial banks

(1) Credit loan refers to a loan based on the borrower's reputation without providing any collateral.

There are five types of credit loans: ordinary limit loans, overdraft loans, standby loan commitments, consumer loans and discounted bills loans.

(2) There are two kinds of secured mortgage loans: mortgage loans and secured loans;

Second, private lending and financing.

1, features: scattered form, small amount, limited interest rate, and unformatted loan contract has hard constraints on debt repayment. Advantages and disadvantages of discount on entrusted loans by Chinese developers.

2. Advantages: financing can be effectively realized, the cost is low, the financial risks of banks can be reduced, the feasibility is strong, real estate enterprises can be quickly accepted by the financial market, and real estate enterprises can kill two birds with one stone while realizing financing.

3. Disadvantages: Enterprises applying this method have certain restrictions. Not all real estate developers can use developers to take risks instead of creating new financing channels.

Third, real estate pawn financing.

Pawn is a kind of financing method to obtain temporary loans with physical objects as collateral. Features: financing, singleness, commercialization, small amount, short term, high yield, safety and convenience. Process: trial, inspection, receipt, storage and redemption. Pawn items that have not been redeemed for more than five days are absolute pawns, and pawn shops have the right to dispose of pawned items according to law.

Fourth, commercial credit financing.

1, the main features: commercial credit makes use of the characteristics of commodity production, which can provide convenience for buyers and sellers, consolidate economic contracts and strengthen economic responsibilities, and is conducive to competition.

2. Specific ways of commercial credit financing: accounts receivable financing, commercial paper financing, prepayment financing, etc.

At present, the state has increased its control over real estate enterprises, and it is increasingly difficult to raise funds in a high-pressure policy environment, which has also led to a shortage of funds for many enterprises. For financial institutions, housing financing is also more cautious. After all, there are high risks and high returns.