As the first link in the industrial chain, financing channels need the backing of the financial industry and a sound capital market. However, different projects, different links or different real estate companies in real estate development have different risks and financing needs. I think the financing structure that is more suitable for real estate is as follows:

1. Own funds

Developers use the company's own capital or expand their own capital base through various channels. Developers can hold the funds raised through this channel for a long time, use them at their own discretion, and use them flexibly; the necessary self-owned funds are also a rigid "threshold" set by the state for developers.

2. Collecting the house payment in advance

It is usually welcomed by both buyers and sellers, because for developers, sales withdrawal is the best and lowest risk financing method. The funds withdrawn in advance It can be used for project construction, easing the pressure on own funds, and transferring part of the market risk to the buyer; for the buyer, a small amount of capital can obtain greater expected value-added income.

3. Bank loans

The development of real estate projects is highly dependent on bank loans. Bank loans have always been the main financing channel for real estate development companies. According to conservative estimates, more than 50% of real estate development funds come from bank loans. Taking into account the advance funds from construction companies and delayed payment of materials to suppliers, at least 70% should be included.

Among the financing platforms, Mingde Capital Ecosystem is relatively reliable. It not only makes its own investments, but also has more than 2,400 cooperative fund resources, and is committed to helping small and medium-sized enterprises improve their operating standards and promote equity financing. . If you are not sure which financing platform is reliable, it is recommended to try Mingde Capital Ecosystem. "

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