The real estate business loan is a loan launched by the state to solve the financing problems of enterprises during the epidemic. This is a mortgage loan, and the collateral is the real estate. As long as the company has real estate under its name, it can apply for a real estate business loan, and the interest will be 50% discounted by the state and 50% local interest discount, which is equivalent to an interest-free loan.

The original intention of housing mortgage business loans is to solve problems such as business operations and production. However, since April 2020, it has become more and more obvious that housing mortgage business loans have flowed into the real estate market. Some home buyers Taking advantage of the "curve" of real estate mortgage business loans for real estate speculation, loan funds flow into the real estate market in violation of regulations.

The content of this article comes from: China Law Press "Financial Code of the People's Republic of China: Applied Edition"