嘉德理财

【嘉德理财】集资贷款风险大,切忌盲目跟风!

字体 -

这几天集资按揭的新闻闹得沸沸扬扬,安省有4家涉及集资按揭的公司被安省金融服务委员会(FSCO)罚款110万,并吊销5名按揭经纪的牌照。其中有华人投资者称被其高回报率所吸引而惨遭亏损。今天就和大家普及一下集资按揭到底是什么?

集资按揭,英文叫Syndicated Mortgages,是对房地产物业的一种按揭,实质是一种民间借贷。Syndicated是协同协作的意思,Syndicated Mortgage就是多个集资人联合对一个项目进行放贷,借款方通常是开发商,抵押物通常是土地和物业。

由于开发商在开发地产项目时,未必能从银行贷款出所需要的资金,这时他们必须采取其他的融资手段,集资按揭就是其中一种。在前两年加拿大房地产市场火热的大环境下,也带动了集资按揭等相关投资产品的盛行。

那么集资按揭是否可靠安全呢?有风险吗?

简单来看,它的风险主要体现在以下两个方面。

一、市场及估值风险。

Mortgage是有物业作为抵押的贷款,当贷款不能偿还时,贷款方可以拍卖物业来弥补损失。但是如果物业已经有银行贷款存在,多数的情况下拍卖得来得资金要先偿还给银行。而当地产市场处于下行的环境中,物业并没有拍卖出足够的资金来偿还银行,或者在偿还完银行贷款后却不足够偿还给集资贷款的贷款人时,就会给集资人带来损失。

此外,如果在贷款的时候对于物业的估值错误的过高,那么在卖出的时候就只能收回低于预期的资金,这样也会给投资人带来损失。

二、现金流风险。

集资按揭是承诺利息回报的,根据项目、物业的不同,有些是月付,有些是年付。而一般的房产建筑用时都会超过一年,那么在地产建筑的过程中有什么能让项目在一年内产生正现金流来支付年利息呢?这是值得投资人考虑的一个问题。

一般来说,集资按揭通过许诺远胜其它投资形式的高回报率,来吸引集资人。但FSCO也作出警告,这类投资风险较大,一旦投资受损,FSCO也无权帮助追索,因此非常不适合普通借贷者或投资人,建议人们参与集资前,最好寻求独立金融与法律咨询。

如需更多信息,欢迎联系我们。更多话题,请浏览公司网站:www.jdlwealth.com或关注微博:嘉德集团_多伦多生活小百科

214 3

嘉德理财联系方式

直线:416-303-6537
邮箱:info@jdlwealth.com 
地址:95 Mural St. Unit 105, Richmond Hill, Ontario, Canada, L4B 3G2
微信:jdl4163036537,公众号:torontojdlgroup, 网址: 
http://www.jdlgroup.ca

分享博文至:

19 条评论

  1. Your way of telling all in this post is actually good, all can without difficulty be aware of it, Thanks a lot.

  2. The best Boston pet sitters are right here.

  3. wonderful put up, very informative. I ponder why the opposite specialists of this sector don’t notice this. You must continue your writing. I am confident, you’ve a great readers’ base already!

  4. Undeniably believe that which you stated. Your favourite reason appeared to be on the web the simplest factor to bear in mind of.

    I say to you, I certainly get irked while other people think about concerns that they plainly don’t recognize about. You controlled to hit the nail upon the highest and outlined out the entire thing with no need side effect , other folks can take a signal. Will probably be back to get more. Thanks

  5. I got this website from my buddy who shared with me on the topic of this web site and now this time I am visiting this website and reading very informative articles or reviews at this place.

  6. It’s remarkable in support of me to have a site, which is helpful designed for my experience. thanks admin

  7. Ⅴery gooԀ site үoս have here but I was curious about if you knew of any discussion boards tһat cover the ѕame topics talked ɑbout here? I’d really like to be a part of online community wһere I сan get feed-bаck fгom otheг knowledgeable individuals tһat share tһe same interest. Ӏf үou have any suggestions, please let mе know. Many thanks!

    Here is my web blog: mezo

  8. Hey there! I just wanted to ask if youu ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to nno backup.

    Do youu have any solutions tto stop hackers?

    Also visit my weblog: buy lumigan eyelash growth

  9. JACKSON’S TREE PROVIDERS Licensed & Insured.

  10. Keep on working, great job!

发表评论