Private Lending in China

Private Lending in China

Author: Lerong Lu

Publisher: Routledge

ISBN: 9780429823909

Category: Business & Economics

Page: 182

View: 717

This book explores China’s private lending market from historical, economic, legal, and regulatory perspectives. Private lending refers to moneylending agreements between business borrowers and their debt investors without the involvement of banks. In China, it remains difficult for private entrepreneurs to obtain sufficient loans from state-owned banks. Thus, private lending has been a vital alternative financing channel for over 80 million businesses which are reliant on private funds as their major source of operating capital. The market volume of private financing stands at 5 trillion yuan ($783bn), making it one of the largest shadow banking systems in the world. Despite the wide popularity and systemic importance of private lending activities, they have remained outside of the official regulatory framework, leading to extra financial risks. In 2011, China’s private lending sector encountered a severe financial crisis, as thousands of business borrowers failed to repay debts and fell into bankruptcy. Lots of bosses who found it impossible to liquidate debts ran away to hide from creditors. The financial turmoil has caused substantial monetary losses for investors across the country, which triggered social unrest and undermined the financial stability. This book is a timely work intended to demystify China’s private lending market by investigating its historical development, operating mechanism, and special characteristics. It evaluates the causes and effects of the latest financial crisis by considering a number of real cases relating to helpless investors and runaway bosses. It conducts an in-depth doctrinal analysis of Chinese laws and regulations regarding private lending transactions. It also examines China’s ongoing financial reform to bring underground lending activities under official supervision. Finally, the book points out future development paths for the private lending market. It offers suggestions for global policymakers devising an effective regulatory framework for shadow banking. It appeals to researchers, lecturers, and students in several fields, including law, business, finance, political economy, public policy, and China study.

PITCH: How to Present Your Real Estate Deal to Private Money Lenders

PITCH: How to Present Your Real Estate Deal to Private Money Lenders

Author: Jason Powell

Publisher:

ISBN: 1973271389

Category:

Page: 107

View: 162

In the word of real estate, there is more than one way to obtain the money you need to complete a transaction. Traditional lending may work for some investors, but for others, going to a bank is simply not an attractive or viable option. This book will explain how to get the money you need without going through a bank. Private money lending, also known asstorybook lending, may provide the answer you need. We decided to write this book because we realized that few borrowers understand how to put together a private moneydeal. Many borrowers don't do enough on the front end of the transaction, and as a result, they find themselves floundering and unsure of how to proceed. This will usually result in losing a deal due to lack of funding. The more that you do at the front end of the transaction to ease the way and demonstrate your expertise to a private moneylender, the easier and quicker a private money lender will be able to fund your transaction. Considering that some real estate deals hinge on being able to put together financing quickly, that's a big selling point for investors. The goal of this guide is to help you, as a borrower, learn the ins and outs of putting together a private money lending deal so that you can: 1. Approach private lenders with confidence 2. Eliminate the need to hire a private money broker 3. Save on broker's commission 4. Put together a compelling package for presentation to a private money lender 5. And most importantly, get more deals funded! If you follow the steps laid out in this book, you'll be in the best possible position to close on a deal, get the funding you need, and make money.

Four Step Guide to Private Lending Profits

Four Step Guide to Private Lending Profits

Author: Lee J. Carney

Publisher: Insight PressLlc

ISBN: 0615489036

Category: Business & Economics

Page: 245

View: 204

BECOME THE BANK! Find the Borrower – Inspect the Collateral – Fund the Loan – Collect YOUR Check It's that simple! Earning 10% to 20% return on investment securely and consistently, with minimal risk, is the essence of this book. It conveys real-world and practical experience of the author which, when emulated, produces real income and genuine wealth to the reader. This book shows the business entrepreneur and investor how to make safe and secure private money loans and mitigate risks by: Finding the right borrowers.Working with controllable and straightforward loan terms.Collateral analysis that creates ample equity and low loan-to-value ratios.Structuring loans to produce monthly income while being secured by marketable and tangible real estate.Loaning personal IRA funds creating tax-free income.Using financial partners' money to fund loans.Whether you are a new investor getting your feet wet or a seasoned veteran with a diversified portfolio and years of experience behind you, this book will change your life by introducing you to the lucrative and shockingly simple private lending industry and by teaching you how to have a safe and secure portfolio of private money loans which generates consistent cash flow.

The Private Money Guide

The Private Money Guide

Author: Chris Naugle

Publisher: Independently Published

ISBN: 1790757762

Category:

Page: 110

View: 179

"The Private Money Guide: Real Estate Edition" is a deep dive into the world of real estate lending and financing. The perfect book for both seasoned investors and individuals joining the real estate industry for the first time, this guide will teach you how to identify and secure private money lenders, the dos and don'ts of securing private funds for investment, and how to analyze deals provided by private money lenders. This guide will also cover in detail the various documents that you will need during the private money lending process and the steps to take from securing a private money lender, to leveraging your financing and increasing your real estate portfolio in a sustainable manner!

Private Money Secrets

Private Money Secrets

Author: Robert Leonetti

Publisher: Lulu Press, Inc

ISBN: 9781329798557

Category: Business & Economics

Page:

View: 893

Learn the little known secrets of finding and working with private money. Find your own special private lenders and have them work for you. Raise the capital you need without bank qualifying.

The Inside Guide to Funding Real Estate Investments

The Inside Guide to Funding Real Estate Investments

Author: Ross Hamilton

Publisher: AMACOM

ISBN: 9780814438862

Category: Business & Economics

Page: 240

View: 689

Great financing is the holy grail of real estate--with the power to make or break the deal. Whether you are brokering your first deal or your fiftieth, finding the right financing for that specific situation can be the most important challenge you face. But there is good news! If you know where to look, you can find nearly unlimited supplies of funding for all your real estate deals. And The Inside Guide to Funding Real Estate Investments shows you exactly where to look!This all-encompassing guide introduces readers to the range of options available--from traditional mortgages and asset-based loans to crowdfunding and private money--and provides an inside look into the loan process as a whole and how lenders think through different scenarios. Learn all there is to know about:• What lenders are looking for• How to close with confidence• How to maintain sufficient liquidity• How to protect your credit position for future deals• What to do when deals go south• And more!Whether you’re planning to fix and flip or buy and hold, with this thoroughly researched resource that has considered every financing scenario by your side, you can rest confidently that you are in prime position to not only avoid costly borrowing mistakes but also be set up for real estate success beyond what you thought possible.

Funding Your Dreams Creative Ways to Finance Real Estate with Little to No Money Down

Funding Your Dreams Creative Ways to Finance Real Estate with Little to No Money Down

Author: Tunita Bailey

Publisher: Lulu.com

ISBN: 9780359678754

Category: Business & Economics

Page: 120

View: 746

If you are looking for ways to Fund Your Dreams of becoming a homeowner or investor, this powerful book will help you understand key concepts of creatively financing your real estate deals and ultimately help you accomplish your goals. You will learn: How to Use Credit to Access Up to $100,000 in Lines of Credit How to Use Non-Traditional Financing to Buy Real Estate How to Buy Residential or Commercial Property Using Little to NONE of Your Own Money

Top Secret

Top Secret

Author: Kevin Goodnight

Publisher: Lulu.com

ISBN: 9781411678767

Category: Business & Economics

Page: 84

View: 737

Real Estate investing is fast becoming the wealth building tool of choice all over the world. Financing those real estate investment deals doesn't have to be difficult. Delve into the world of Hard Money and Private Money lending. Find the most liberal lenders in your area and begin building your nest egg now. Don't lose out on another opportunity because you don't have the cash.

Lend to Live

Lend to Live

Author: Alex Breshears

Publisher: Biggerpockets Publishing, LLC

ISBN: 1947200704

Category: Business & Economics

Page: 230

View: 718

Want to invest in real estate without the hassle? Learn how to create financial freedom and passive income in real estate as a private money lender. Actively investing in real estate can sometimes seem impossible. Not everyone can spend all hours of the day dashing off to talk to motivated sellers, managing fix-and-flips, or screening tenants for rental properties. Instead, you can choose a different path by "being the bank" for other active real estate investors--a strategy that works with any lifestyle, builds toward financial goals, and gives you time back in your day. What used to be a trade secret for corporate lenders is now available to the average person, and Lend to Live makes the private lending path actionable and accessible for everyone. With more than two decades of experience in the mortgage lending space and real estate investing, Alex Breshears and Beth Johnson show you how to invest in real estate from anywhere in the world--all you need is an internet connection and a cell phone. Inside, you will learn: Why private money lending has become a popular alternative investment strategy to create passive income How to establish baseline lending criteria to match your investment goals and risk tolerance Steps to take to secure your investments using the C.P.R. private lending method How to build a private lending virtual team to provide end-to-end support Key pieces of information to collect and the process of underwriting a loan opportunity The risks and rewards of private lending as a passive real estate investment Precautions and key considerations to help reduce your risk exposure Tactics, tools, and tips to ensure your loan is safe from origination to final payoff Do you want to run a real estate business from a backpack? Lend to live the life of your dreams!

Private Loan Money Funding Kit

Private Loan Money Funding Kit

Author: Tyler G. Hicks

Publisher:

ISBN: 1561507156

Category:

Page:

View: 414

Get private loan money for your deals! Learn how, and where, to get private-money loans for real estate or business deals. Deal with private lenders. Private lenders are not governed by the strict lending rules banks must obey. Private lenders are often managed by business pros who understand you and your business or real estate plans. And private lenders are less likely to be concerned with your credit rating. In short, it's usually easier to get loans from private lenders. Private funding is available for: * Real Estate * Business * Special Circumstances * Construction * Quick Closings * Imperfect Credit * Bankruptcies * Hard Money * Temporary or Bridge Financing * and Much More! So how can you get the private loan money you need? Use the IWS Private Loan Money Funding Kit! The Kit shows you the procedures, forms, and steps to get private loan money effectively. Kit includes dozens of private loan money sources you can contact to get your money. Some sources consider first-time borrowers and borrowers with weak credit or bankruptcy. 8.5 x 11 in