房地产开发贷款是指对房地产开发企业发放的用于住房、商业用房和其他房地产开发建设的中长期项目贷款。房地产贷款的对象是注册的有房地产开发、经营权的国有、集体、外资和股份制企业。房地产开发贷款期限一般不超过三年（含三年）。贷款原则上应采取抵押担保或借款人有处分权的国债、存单及备付信用证质押担保方式，担保能力不足部分可采取保证担保方式。
同时，这些特点也决定了房地产开发贷款在高收益率的同时，存在着巨大的风险。
At the same time, these features have also determined that high yield of real estate development loans coexists with huge risk.
房地产开发贷款是指向借款人发放的用于开发、建造向市场销售、出租等用途的房地产项目的贷款。
The term "real estate development loans" shall refer to the loans granted to the borrowers and used to develop and build real estate projects sold or leased in the market.
当住房消费成为新的消费热点后，房地产金融业务的重心也逐渐从房地产开发贷款向个人住房贷款业务转移。
When house consuming becomes hotspot, the real estate finance also transfers its center from development loan to individual housing loan gradually.
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