Second, real estate trust loans have specific objects and uses. It is issued to solve the problem of insufficient funds in the process of real estate development, operation and purchase. They should be used for special purposes and not for other purposes.
Third, the interest rate of real estate trust loans is flexible and can fluctuate reasonably within a certain range. According to the current regulations, the trust loan interest rate can rise by 20% on the basis of the bank loan interest rate in the same period, which is helpful for financial institutions to supervise the rational use of funds by real estate development enterprises and improve the efficiency of fund use. Real estate trust loans are generally real estate trust loans applied by real estate development and operation enterprises when their own financial allocations or self-raised funds are insufficient. The loan term is 3- 15 years, and the long-term loan can reach 7- 10 years. Therefore, it is actually a medium-term loan, which is more flexible, timely and convenient than ordinary bank loans, with faster approval and simpler procedures, but its interest rate is slightly higher than that of banks.