Public welfare loan should refer to the "public welfare loan" product jointly launched by Sino-German Bank and Jinfang Replacement. In the past, the purchase of the right to use public houses required a one-time full payment, which made many people with insufficient funds flinch from the "house".

With the strong support of the Municipal Housing Management Bureau and the Municipal Real Estate Corporation, Tianjin Jinfang Replacement Co., Ltd. and Sino-German Housing Savings Bank jointly launched the business of "Stock House Transaction with Public Housing Replacement Quota", which provided a new way for the majority of low-and middle-income groups to realize their dream of living in peace. This kind of stock trading business requires the new lessee to provide real estate as collateral (another private property house with full property rights), and the maximum amount of stock trading can be 70% of the assessed value of the collateral. According to personal circumstances, the stock trading period can be up to 30 years.

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