Real Estate Finance

 

Spot financing products	Chattel (static) pledge model	This is the financing credit business of CMBC as applied for by customers, with the goods lawfully owned by credit applicants (or third party) as the collateral and warehousing enterprises recognized by CMBC pledging and supervising such goods.Under this model, for each time of picking up goods, the customer needs to supplement the caution money being equivalent to the amount of the goods to be picked up.CMBC will issue the instruction of picking up goods after making review and the warehousing enterprise then will send out the goods according to the instruction.
	Chattel (dynamic) pledge model	This is the financing credit business of CMBC as applied for by customers, with the goods lawfully owned by credit applicants (or third party) as the collateral and warehousing enterprises recognized by CMBC pledging and supervising such goods within the minimum value of the goods.Under this model,for the part exceeding the minimum value determined by CMBC,the applicant may apply to the warehousing enterprise for picking up the goods by itself;for the goods lower than the minimum valuedetermined by CMBC,the customer needs to supplement the caution money being equivalent to the amount of the goods to be picked up.CMBC will issue the instruction of picking up goods after making review and the warehousing enterprise then will send out the goods according to the instruction.
	Chattel (static) mortgage model	This is the financing credit business of CMBC as applied for by customers, with the goods lawfully owned by credit applicants (or third party) as the collateral and warehousing enterprises recognized by CMBC supervising such goods on the premise that mortgage registration has been made.Under this model, for each time of picking up goods, the customer needs to supplement the caution money being equivalent to the amount of the goods to be picked up.CMBC will issue the instruction of picking up goods after making review and the warehousing enterprise then will send out the goods according to the instruction.
	Chattel (dynamic) mortgage model	This is the financing credit business of CMBC as applied for by customers, with the goods lawfully owned by credit applicants (or third party) as the collateral and warehousing enterprises recognized by CMBC supervising such goods on the premise that mortgage registration has been made.Under this model, for each time of picking up goods, the customer needs to supplement the caution money being equivalent to the amount of the goods to be picked up.CMBC will issue the instruction of picking up goods after making review and the warehousing enterprise then will send out the goods according to the instruction.
	Standard warehouse receipt pledge model	This is the financing credit business of CMBC as applied for by customers, with the standard warehouse receipt issued by futures exchange to the credit applicants as the collateral.Standard warehouse receipt is an electronic voucher uniformly prepared and issued to the goods owners by futures exchange for picking up commodity after the delivery warehouse designated by the futures exchange completes the accptance check and confirmation of the goods entering in the warehouse.
	Non-Standard warehouse receipt pledge model	This is the financing credit business of CMBC as applied for by customers, with the warehouse receipt of the goods of the credit applicants stored at the warehousing enterprise recognized by CMBC as the collateral. If the credit applicant can not perform the obligation of repayment,CMBC shall have the right to dispose of the collateral under the warehouse receipt according to law.
	Guaranteed purchase model	This is the financing credit business of CMBC with the goods lawfully owned by the customer as the collateral which will be supervised by the warehousing organization entrusted by CMBC, at the same time requiring third party guaranteed purchaser (upstream suppliers or other enterprises) purchasing such collateral whne the applicany can not repay the loan and the purchase price being used for repaying the loan of the applicant.