Nowadays, banks generally do not accept machinery and equipment mortgages.
Scope of application:
Must be approved by the administration for industry and commerce registration, and in accordance with the provisions of the tax registration and annual inspection procedures of enterprises and institutions legal persons; products have a market, the production and operation of the benefits, do not squeeze the misappropriation of credit funds, and scrupulously abide by the credit;
There is a repayment of interest and debt repayment ability, the original payable loan principal and interest and maturity of the loan has been liquidated; did not liquidate the repayment plan, has done the bank recognized; according to the "bank credit rating standards" approved by the credit rating of the credit rating of the enterprise, in principle, the credit rating must be The repayment plan approved by the bank has been made; according to the "Standard for Evaluation of Credit Rating of Bank Enterprises", in principle, the credit rating must be Grade A or above;
the basic account or general deposit account has been opened in the bank; except for the regulations of the State Council, the cumulative amount of the foreign equity investment of limited liability companies and joint-stock limited companies has not exceeded 50% of the total net assets of the company; the borrower's operation and financial system is sound, and the main economic and financial indexes have not exceeded 50% of the total net assets. sound, the main economic and financial indicators meet the bank's requirements;
Projects applying for medium- and long-term loans must be approved by the competent state authorities, and the ratio of the ownership interest of the enterprise legal person of the newly built project to the total investment of the project is not less than the ratio of the capital of the investment project as stipulated by the state.
The property used as collateral must comply with the relevant provisions of the Guarantee Law of the People's Republic of China*** and the State of China, and the mortgagor must enjoy the right of ownership or disposal of the collateral in accordance with the law and expressly indicate to the bank that he is willing to provide security for the debtor with the collateral.
The maximum mortgage rate shall not exceed 70% for mortgages on real estate; 60% for mortgages on means of transportation, general-purpose machinery, equipment and tools; and 50% for mortgages on special-purpose machinery, equipment and tools, intangible assets (including land-use rights) and other property.
Expanded Information:
Application Submission Information
(1) Borrower applying for a maximum mortgage loan on a newly purchased home or his own home that is not encumbered with mortgage Individual housing maximum mortgage, you need to provide; identity documents; proof of repayment ability; down payment invoices; in the "individual housing loan application" for individual housing maximum mortgage application.
(2) will be in the construction bank of the original housing mortgage loan to personal housing maximum mortgage loan, the customer needs to fill out the China Construction Bank personal housing maximum mortgage loan application form, and to provide the loan bank with identity documents and proof of marital status, proof of repayment ability (the above materials if the original loan application has.
And there is no change when applying for the maximum mortgage loan, it can no longer be provided); housing ownership documents; statement that the mortgaged property **** someone agrees to apply for the maximum mortgage; the original borrowing contract of the original housing mortgage.?
(3) If the original housing mortgage loan from another bank is converted into a maximum mortgage loan, the borrower is required to fill in the Application Form for Individual Housing Maximum Mortgage Loan of China Construction Bank and provide the lending bank with: the borrower's identity documents and marital status documents.
The borrower's solvency documents; housing ownership documents; mortgaged property **** someone agrees to apply for the maximum mortgage statement; the original borrowing contract of the original housing mortgage; the original housing mortgage repayment record in the last year of the situation.
Baidu Encyclopedia-Mortgage