RealEstate房地产分解.pptVIP

模板来自于 / * 模板来自于 * 模板来自于 / * 模板来自于 / * REAL ESTATE 严智颖 宋紫嫣 谢雯 赵晴 唐钰棋 朱康丽 China housing market幻灯片 18 Real estate bubble Financial concepts Ⅰ Ⅱ Ⅲ Ⅳ News on real estate Ⅴ Ⅰfinancial conceptMortages loans A mortage loan is used by purchasers of real property to raise funds to buy real estate; or by existing property owners to raise funds for any purpose while putting a lien on the property being mortaged. Collateral Collateral, especially within banking, traditionally refers to secured lending (also known as asset-based lending). More complex collateralization arrangements may be used to secure trade transactions (also known as capital market collateralization). REITs A real estate investment trust (REIT) is a company that owns, and in most cases, operates income-producing real estate. REITs own many types of commercial real estate, ranging from office and apartment buildings to warehouses, hospitals, shopping centers, hotels and even timberlands. down payment 房贷首付 01 Collateralized Debt Obligation It packs all mortgages together and repack, and then publish it on the market in the form of products.债务抵押债券 02 Credit Default Swap CDS is a financial swap agreement that the seller of the CDS will compensate the buyer in the event of a loan defaulor other credit event.信用违约掉期 03 Prime Mortgages 优级债券 04 other important words 返回 A?real estate bubble occurs periodically in?real estate?markets, typically following a?land boom（the rapid increase in?valuations?of?real property）until they reach unsustainable levels and then decline in a bubble. ⅡReal estate bubble The limitation and scarcity of land resource The expanding investment demand The over mortgage lending of financial institution Cause? Real estate bubble further drives demand, prices go up speculators enter the housing market for potential profit supply falls short of demand, real estate prices increase demands, speculation, an