1. Financing development crowdfunding. The characteristic of this kind of real estate crowdfunding is that developers aim at obtaining development and construction funds, while investors mainly aim at obtaining housing property rights.
2. Marketing promotion crowdfunding. The characteristic of this kind of real estate crowdfunding is that the developer aims at removing the project, and the main purpose of the investor is to obtain the property rights of the house.
3. Develop financing crowdfunding. The characteristic of this kind of real estate crowdfunding is that developers mainly aim at obtaining development and construction funds, while investors mainly aim at obtaining investment and financing income.
4. Operational financing crowdfunding. The characteristic of this kind of real estate crowdfunding is that developers mainly aim at projects, while investors mainly aim at obtaining investment and wealth management income.
As far as the loan platforms in the market are concerned, there are mainly major banks such as Change, Jin Lu Service, Ping An Pratt & Whitney, Renren Loan, Paipai Loan, Group Loan Network, Yourself Loan, Yiren Loan Network and Huijin Institute, and they can also lend.
A reliable platform for buying a house loan
1.JD.COM Gold Bar is a cash reception service specially designed for IOUs users, which is actually the exclusive service for IOUs users in JD.COM. JD.COM gold bars are consumer products that provide cash lending services to registered users. It is understood that JD.COM gold bars are still in the internal testing stage, not all customers can open them, and only qualified users can get JD.COM gold bars.
2. Ant borrowing is a hot lending platform at present, which is beyond doubt, because compared with other lending platforms, ant borrowing is more cost-effective, and it is simple to operate and quick to make the next payment. However, the threshold for ants to borrow money is high, and Alipay users are required to score more than 600 points in sesame seeds before they have a chance to open it. Those who meet the conditions of sesame seeds may not be opened. Ant borrowing is an invitation system, and it is common that sesame seeds are not invited to open.
There are many ways to buy a house with P2P loan.
1, mortgage loan. This is the earliest evolution model of Internet finance+real estate, that is, the offline real estate mortgage is directly moved to the online, which is the real estate mortgage loan that can often be seen. At first, online mortgage loans were mainly personal residential mortgage loans, and later commercial real estate mortgage loans appeared.
2. Redeem the mortgage. This product is aimed at "homeowners" who want to sell their houses without paying off their bank loans. Property owners can apply for funds from the internet financial platform, pay off the remaining mortgage loans of the bank, and then redeem the mortgaged property at the bank. After the house is successfully sold, the borrower will return the money to the platform.
3. Change the mortgage. This product is aimed at the situation that the property owner has sold the old house and needs to use the money to buy a new house before the house payment arrives. When the old house payment arrives, the borrower will return the money to the platform.
4. down payment. The purpose of the loan is to buy a house with a down payment. Buyers pay part of the down payment themselves, and the rest can be obtained from the internet financial platform. Usually, the Internet financial platform cooperates with real estate companies, and the real estate can give preferential treatment to buyers through low-interest loans or even zero interest rates through the Internet financial platform, instead of directly discounting or reducing prices.
5. Transfer of commercial real estate rental income right. The innovative factoring business of department stores for their preferred tenants is simply to transfer the rental income right to the public investors through the internet financial platform.
6. Second-hand housing mortgage bridge loan
Property buyers apply for bank mortgage loans when buying second-hand houses, but it usually takes some time to lend money after bank approval. But at this time, if you want to complete the housing transaction as soon as possible, buyers can apply for loans from the Internet financial platform. As long as the platform looks at the loan approval form issued by the bank, it can directly lend money to the buyers, and the borrower can repay after the bank lends money.