Difference between development loan and project loan

First, the difference between development loans and project loans.

Development loans are approved by the state, and project loans refer to loans from a single project department. However, development loans refer to the development of real estate projects, and project loans usually refer to loans for the construction of office buildings, factories and other projects of manufacturing enterprises.

Second, debt financing related to real estate development projects mainly includes (). A. Real estate development loan B. Land reserve loan C. Personal housing mortgage loan D. Personal housing accumulation fund ...

Correct answer: AB

Financing with real estate loans mainly includes real estate development loans, land reserve loans and real estate mortgage loans. The common feature of these loans is that they are secured by real estate assets purchased from developed premises.

Third, the difference between project financing.

Project financing means that the lender provides loan agreement financing for a specific project, enjoys the right to demand repayment of the cash flow generated by the project, and takes the assets of the project as collateral. It is a financing method that takes the future income and assets of the project as the source of funds for loan repayment and security guarantee.

Characteristics of project financing:

Exclusivity of financing subject

Limitation of recourse

Dispersion of project risks

Diversity of project credit

Authenticity and complexity of project financing procedure

4. What is the difference between project financing and development loan?

Project financing adopts equity financing, and enterprises release equity to obtain investment and joint operation.

Development loan is a bank wealth management product with a time limit. The conditions are harsh.