Mortgage loan refers to a loan method adopted by banks in some countries, which requires borrowers to provide certain collateral as a guarantee for loans to ensure the repayment of loans at maturity.
There are actually many things that individuals can mortgage with bank mortgage loans. The items that individuals can mortgage mainly include the following:
First, the real estate license can be mortgaged to the bank, and it should not be surprising that the real estate is mortgaged to the bank. Many people generally mortgage their real estate licenses to banks and mortgage their real estate licenses to banks, so that people can get relatively high loans.
Second, you can mortgage the car to the bank. If people need to apply for a loan, they can also mortgage their cars to the bank. However, the amount of loans that people can get by mortgaging their cars from banks is not very high, because the value of cars is not very high and cars are depreciating every year.
Third, individual shops can be mortgaged. If people own personal stores, they can also mortgage them to banks.
What can I do as collateral?
Many enterprises' properties can be used as collateral for mortgage loans, which can be summarized as: 1. First of all, of course, it is the property and real estate of enterprises, such as factories and land with property rights. This kind of property is also the most acceptable collateral for lending institutions. 2, enterprise equipment, transportation, etc. Such as power equipment, working machinery, scientific research instruments and other production equipment; The vehicle can be a vehicle, transportation equipment, etc. 3. The current assets of the enterprise. Such as fuel, commodities, bills of lading, etc. 4. Enterprise securities. Such as treasury bills, financial bonds, bank bills, company stocks and other securities owned by enterprises according to law. 5. Intangible assets of enterprises. It mainly includes intangible assets such as copyright, trademark right and patent right, and this kind of collateral is usually used more.
What is the collateral of mortgage loan?
(1) Houses and other things fixed on the ground owned by the mortgagor;
(2) The house or other building being built by the mortgagor;
(3) Pre-sale houses purchased by the mortgagor;
(4) Machines, means of transport and other property owned by the mortgagor.
(five) the right to use state-owned land, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law;
(6) State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law;
(seven) the land use right of barren hills, gullies, hills, beaches and other wasteland contracted by the mortgagor according to law and mortgaged with the consent of the employer;
(eight) other property that can be mortgaged according to law.
In addition to the above property, land ownership, cultivated land, property of state organs, etc. Are not allowed to be used as collateral for loans, specifically:
(1) Land ownership and other natural resources or property whose circulation or transfer is prohibited according to law;
(2) The right to use collectively-owned land such as cultivated land, homestead, private plots and private hills, except for the right to use barren hills, gullies, barren hills, barren beaches and other wasteland contracted by the mortgagor according to law and mortgaged with the consent of the employer;
(3) Property of state organs;
(4) Educational facilities, medical and health facilities and other public welfare facilities of schools, kindergartens, hospitals and other institutions and social organizations;
(5) Company property that provides mortgage guarantee for the shareholders of the company, unless otherwise stipulated in the articles of association and approved by the resolution of the shareholders' meeting;
(6) Property whose ownership and use right are unknown or controversial;
(seven) buildings that have been confirmed as illegal by legal procedures;
(eight) the property that has been sealed up, detained, supervised or taken other compulsory measures according to law;
(nine) lease or escrow, consignment property.
(ten) public residential houses that have been rented and residential houses with undetermined lease term; Real estate announced according to law within the scope of national construction requisition; Ancient buildings listed as cultural relics protection, buildings with important commemorative significance, leased or entrusted or consigned property;
(eleven) fixed assets that have been depreciated or will be depreciated within the loan period, obsolete, aging, damaged and non-universal machinery and equipment;
(twelve) other property that may not be mortgaged according to law.
So much for the introduction of mortgage loans and things that can be mortgaged.