Real Estate Finance

Spot Financing Products

Chattel (Static) Pledge Model

This financing credit business involves CMB providing loans to customers, with goods lawfully owned by the credit applicants (or third party) as collateral. These goods are pledged and supervised by warehousing enterprises recognized by CMB. For each instance of picking up goods, the customer must supplement caution money equivalent to the amount of goods to be picked up. CMB issues the instruction to pick up goods after review, and the warehousing enterprise sends out the goods accordingly.

Chattel (Dynamic) Pledge Model

Under this model, CMB provides loans with goods owned by credit applicants (or third party) as collateral, supervised by recognized warehousing enterprises within a minimum value. For goods exceeding this value, the applicant can pick them up by themselves; for goods below the minimum value, the customer must supplement caution money equivalent to the amount of goods to be picked up. CMB reviews and issues the pick-up instruction, and the warehousing enterprise sends out the goods accordingly.

Chattel (Static) Mortgage Model

This financing model involves goods owned by credit applicants (or third party) as collateral, supervised by recognized warehousing enterprises, with mortgage registration. Customers must supplement caution money equivalent to the goods' amount for each pick-up. CMB reviews and issues the pick-up instruction, and the warehousing enterprise sends out the goods accordingly.

Chattel (Dynamic) Mortgage Model

Similar to the static mortgage model, but with dynamic supervision. For each pick-up, customers must supplement caution money equivalent to the goods' amount. CMB reviews and issues the pick-up instruction, and the warehousing enterprise sends out the goods accordingly.

Standard Warehouse Receipt Pledge Model

In this model, CMB provides financing based on the standard warehouse receipt issued by futures exchanges to the credit applicants. The warehouse receipt serves as collateral and represents an electronic voucher for picking up commodities after acceptance and confirmation by the futures exchange's delivery warehouse.

Non-Standard Warehouse Receipt Pledge Model

This model involves financing with the warehouse receipt of goods stored at recognized warehousing enterprises as collateral. If the credit applicant fails to repay, CMB has the right to dispose of the collateral according to the warehouse receipt.

Guaranteed Purchase Model

CMB provides financing with the customer's goods as collateral, supervised by a warehousing organization. A third-party guaranteed purchaser (upstream suppliers or other enterprises) is required to purchase the collateral if the applicant cannot repay the loan, using the purchase price to repay the loan.