하나자산신탁

A trust for the purpose of receiving a loan with Beneficiary Right Certificate, which the customer has acquired by transferring real estate ownership to a trust company, as collateral in order to guarantee the performance of his/her debt: An advanced surety technique that can replace the current mortgage system, it can reduce the debtor's costs compared to setting up a mortgage
and, for the creditor, prevent unforeseen damage caused by lease relationship and property defects, and secure independence of trust property
so that funds can be quickly recovered through short sale in the case of default.

Category	Real Estate Collateral Trust	Mortgage system
How to create Collateral	Transfer ownership to trust company	Create mortgage right
Property Rights Protection	Prevent third party's infringement of rights after trust registration	Seizure by third-party creditors allowed (posterior mortgage rights, real estate provisional seizure, etc.)
Additional Collaterals	Easy to add collaterals (simple parcel addition)	Complex (e.g., new mortgage creation contract)
Compulsory Execution by Posterior Creditor	Optional (subject to consent by senior creditor)	Third-party creditors can apply for compulsory auction or posterior mortgagees can apply for voluntary auction
Realization (Into money)	Public sale by trust company (quick/simple/low cost)	Voluntary auction by court (slow/complex/high cost)

01
Creditor institution can save expens-
es, time, manpower, etc. and enable
focus on its own job
02
Prevent unforeseen damage due to
lease relationship or product defects
03
In the case of the trustor's bankrupt-
cy, enable to recover faster than
third-party creditors thanks to inde-
pendence of the trust property
04
As for the debtor, save costs as com-
pared to setting up a mortgage and
enable high-priced sale