What can be used as collateral when taking out a loan?
Mortgage loans can generally be collateralized with the following six types of items:
1. Inventory collateral. It refers to a variety of goods as collateral, such as commodities, raw materials, etc.;
2, securities mortgage. To a variety of securities as collateral, including bonds, stocks, certificates of deposit, bills of exchange, etc.;
3, equipment mortgage. Vehicles, ships, machinery and equipment as collateral;
4, real estate mortgage. To real estate, land, etc. as a mortgage;
5, guest account mortgage. Accounts receivable as collateral;
6, life insurance policy mortgage. To life insurance surrender amount as a mortgage.
Mortgage, also known as "mortgage lending". It refers to a form of lending used by banks in certain countries. The borrower is required to provide a certain amount of collateral as security for the loan to ensure that the loan is repaid when due. Collateral is generally easy to save, not easy to wear and tear, easy to sell items, such as securities, notes, stocks, real estate and so on. After the expiration of the loan, if the borrower does not repay the loan on time, the bank has the right to auction the collateral and use the auction proceeds to repay the loan. The balance of the auction proceeds to repay the loan is returned to the borrower. If the auction proceeds are insufficient to repay the loan, the borrower will continue to repay the loan. Mortgage and pledge
Mortgage and pledge of the same points:
1. mortgage, both refers to the borrower to a certain object as a guarantee to the bank to obtain a loan. Both are one of the common forms of lending by banks.
2. Mortgage, pledge are all security. Guarantee refers to the law to ensure that a particular creditor to realize the claim, the debtor or third party credit or specific property to urge the debtor to perform the debt system.
Difference between pledge and hypothecation
(1) The items of security provided are different. The collateral of mortgage is usually immovable property (for example: land, house), special movable property (car, boat, etc.); pledge is mainly movable property (for example: certificates of deposit, bonds).
(2) possession of the form is not the same. Mortgage does not transfer the form of possession of the collateral, the mortgagor is still responsible for the custody of the collateral; pledge to change the form of possession of the pledge, the pledgee is responsible for the custody of the pledge. For example, I pledge my property, but the property remains in my possession and custody. If I pledge a certificate of deposit, the certificate of deposit is in the possession and custody of the creditor.
(3) A mortgage has only a purely security effect, whereas in a pledge the pledgor has both possession of the pledge and the effect of a lien.
(4) the right of disposal is different. If the debtor is unable to pay the debt on time, the creditor does not have the right of direct disposal of the collateral, need to negotiate with the mortgagee or through the appeal by the judgment to complete the disposal of the collateral; and the disposal of the pledge does not need to go through the negotiation or the judgment, more than the time specified in the contract creditor can be disposed of.
What are the common loan collateral? An article to let you understand clearly!
Mortgage is a common way to borrow money, many banks or loan companies have similar business, this loan amount is high, low interest, low threshold, as long as you have eligible collateral, you can easily borrow a large loan. Many people are not clear about what is the loan collateral, today we will inventory some of them, you can refer to it.
One, real estate collateral
Simply put, real estate is an item of economic value that cannot be moved.
Houses and other ground fixations;
Machinery, means of transportation and other property;
State-owned land use rights, houses and other ground fixations;
State-owned machinery, means of transportation and other property;
Land contracted in accordance with the law and agreed to be mortgaged by the contracting party of the deserted mountains, barren ditches, deserted hills, deserted beaches and other deserted land, such as the right of use;
Wildlands and so on.
Second, the movable property pledge
Pledge is also now a common way of loan, the following are common movable property pledge.
Bills of exchange, checks, promissory notes;
Bonds, certificates of deposit;
Warehouse receipts, bills of lading;
Transferable shares of the fund, equity;
Transferable exclusive right to registered trademarks, patents, copyrights and other intellectual property in the property rights;
Receivables;
Laws, administrative regulations provide that
Three, credit collateral
In fact, pure credit loans do not need collateral, here refers to the bank financial institutions mainly based on your creditworthiness to give loans, so credit and qualification is your collateral.
Four, guarantee
Generally it is the person who meets the requirements who can act as the guarantor.
A legal person with the ability to subrogate to taste the debt;
Other economic organizations or natural persons;
In addition to collateral, it will require the borrower to have a stable economic income, the ability to repay the loan principal and interest, etc., the specific requirements of the lending institution shall prevail.
What property can be used as collateral for a loan from a bank
The following properties can be used as collateral: (a) buildings and other land attachments; (b) land use rights for construction; (c) the right to use the sea; (d) production equipment, raw materials, semi-finished products, products; (e) buildings under construction, ships, aircraft; (vi) means of transportation; (vii) other properties not prohibited from being mortgaged by laws and administrative regulations. Article 395 of the Civil Code stipulates that the following properties which the debtor or a third party has the right to dispose of may be mortgaged: (1) buildings and other land attachments; (2) land use rights for construction; (3) rights to use the sea; (4) production equipment, raw materials, semi-finished products, products; (5) buildings, ships and aircraft under construction; (6) means of transportation; (7) other properties not prohibited from being mortgaged by laws or administrative regulations. (vii) other properties which are not prohibited to be mortgaged by laws or administrative regulations. The mortgagor may mortgage the properties listed in the preceding paragraph together.
What are the collaterals for business loans?
What are the collaterals that can be used for enterprise loans
Many enterprise properties can be used as collaterals for mortgage loans, which are summarized as the following:
1. First of all, of course, is the enterprise's real estate and real estate, such as factory buildings, titled land and so on. This type of real estate is also the most acceptable collateral for lending institutions.
2. Equipment and transportation of the business. For example, power equipment, working machines, scientific instruments and other production equipment; transportation can be vehicles, transportation equipment, etc..
3. Current assets of the enterprise. For example, fuel, commodities, bills of lading, etc.
4, the enterprise's marketable securities. For example, the enterprise's legally owned treasury bills, financial bonds, bank promissory notes, company stock and other marketable securities.
5, intangible assets. Mainly including copyright, trademarks, patents and other intangible assets, this type of collateral is usually used more
What types of business loans?
Enterprise loans are a form of borrowing from a bank or other financial institution at a specified interest rate and for a specified period of time in order to meet the needs of production and operation. Enterprise loans are mainly used for the purchase of fixed assets, technological transformation and other large long-term investment. Currently, enterprise loans can be divided into: working capital loans, fixed asset loans, credit loans, secured loans, stocks, foreign exchange, single Geng term deposit, gold, syndicated loans, bankers' acceptances, bankers' acceptances discount, commercial acceptances discount, buyer or agreement to pay interest bill discount, recourse domestic factoring, export tax rebate account trustee loans.
What are the interest rates on business loans and what is currently required for a business mortgage?
Hello, the premise of our enterprise loan is to open a public settlement account in our bank, need to provide certain collateral, the collateral can be the legal representative or shareholder's real estate, the enterprise's name of the plant, equipment and so on. Some of our branches have carried out special business, if you see/receive similar promotional information, the details need to contact the local branch or sub-branch customer service manager to consult, the amount of the company's nominal loan is generally more than 5 million yuan; if the loan demand is less than 5 million, you can consider the personal business loans, or small and medium-sized enterprise loan business.
The bank's website has now published the latest PBOC lending rates, corporate lending rates are floating on this basis (floating range of 0.9 to 1.7), please (ctrlc) the following URL to open view: cmbchina/.... .cdrate
(If there are other questions, we recommend that you consult the "online customer service" forum.cmbchina/.... .ncmu=0. Thank you for your attention and support!)
What are the characteristics of the enterprise fixed asset mortgage
1. long loan period
Fixed asset reproduction activities, compared with the general product production activities, has a large body, the characteristics of the long production cycle, and thus the fixed asset loan loan period than the general short-term loans.
2. Dual plan
Fixed asset loan project must not only be included in the national fixed asset investment plan, and have the construction conditions of the project, and must be subject to the credit plan to determine the size of the fixed asset loan constraints.
3. Management continuity
General supervision and management of working capital loans is limited to the production or circulation process, and fixed asset loans are not only to manage the construction process, and the project is completed and put into operation still need to be managed until all the principal and interest are paid off.
movable assets mortgage loan which can be used as collateral it business
1. aircraft, ships, automobiles and other special movable assets. The particularity of this kind of movable property is that its ownership status is determined by registration, and its transaction is also subject to transfer registration. Therefore, some people call it class real estate, can also be called registered real estate. This kind of movable property compulsory registration is the state of those mobile, large value of movable property for administrative management needs. Since it can be like immovable property can be registered to realize the effect of the publicity of the mortgage.
2. Enterprise machinery and equipment, agricultural implements, livestock. This kind of movable property is necessary for the production of enterprises or farmers, and can only set up a mortgage security. Therefore, I feel that such movable assets should be set up separately special registration system and registration authority. It should be said that, for this kind of movable property for special mortgage registration, the provisions of the third party's search obligation, more convenient for the third party to grasp. And these types of movable property mobility is small, the adoption of the registration system will not have too much impact on the smoothness of the transaction. However, it should be noted that the collateralized livestock should be limited to productive livestock, and for sheep, pigs, chickens, ducks and other unproductive, should not be allowed to establish a mortgage.
3. Products, materials and other movable assets of an enterprise. This kind of movable property because of its mobility, allowing the creation of a mortgage is obviously not conducive to the protection of the mortgagee and the interests of the third party. And the adoption of the registration system, the third party's obligation to search, and will inevitably affect the normal conduct of transactions. Therefore, this kind of movable property should not be allowed to establish a separate mortgage, but can be set up with other property of the enterprise floating security.
The above are some of the provisions of the movable property mortgage, I hope to help you
Enterprise loan guarantee need to provide what information
You mean as the borrower of the information to be provided by the enterprise or as a guarantor of the information to be provided by the enterprise? First, the borrower to provide information 1, a copy of the original business license (need to have an annual inspection mark) 2, organization code certificate 3, tax registration certificate 4, account opening license 5, loan card 6, charter or partnership agreement 7, the end of the last two years and the recent statements 8, the legal representative of the ID card and certificate, the directors of the ID card 9, the capital verification report 2, the guarantor to provide information 1, business license 2, the charter or partnership Agreement, capital verification report 3, organization code certificate 4, loan card 5, the last two years statements and recent statements 6, legal representative ID card, director ID card 7, collateral property rights certificate
Companies or enterprises to loan what can be mortgaged, the right to operate, ownership, or
Companies or enterprises to loan mortgage real estate, equipment, vehicles, products, etc. In short, as long as they have their own The company's main goal is to provide the best possible service to its customers.
Additionally, you can also mortgage equity loans.
In addition, if there is no collateral, you can also find a third-party guarantee mortgage, that is, a third-party asset mortgage, of course, you must negotiate with the third party.
What are the best loan companies to do home mortgages? What are the best loan companies for home mortgages?
Xinghong Finance and Loan Company. It is very famous in Beijing, 160 cities across the country can do home mortgages, a wide range, and fast lending, the process is also relatively simple.
What are the home mortgage companies? The main want to do agent 100 points
For property mortgage to meet the conditions, different regions of the bank requirements may vary, specific to the local bank application conditions prevail,
Property mortgage conditions:
1, age 18-65 years of age of natural persons;
2, have a legitimate occupation and a stable source of income, with the ability to repay the principal and interest of the loan on schedule Ability to repay the principal and interest of the loan on time;
3. No illegal behavior;
4. Good credit, bad credit record;
5. Able to provide valid rights recognized by the bank as pledge guarantee or legal and effective real estate as collateral guarantee or third-party guarantee with the ability to pay off the debt;
6. Opened a personal settlement account at the bank and agreed to allow the bank to debit the loan from its designated personal settlement account. The bank has opened a personal settlement account and agreed that the bank should debit the principal and interest of the loan from its designated personal settlement account;
7. The property right of the house is clear and meets the conditions stipulated by the state for listing and trading;
8. The property can be circulated in the real estate market and has not been mortgaged in any other way;
9. The age of the house and the number of years of the application for the loan should not be more than 40 years;
10. The mortgaged house has not been included in the local urban renewal plan and has the property department's approval for the mortgage. transformation planning, and have property and land certificates issued by the real estate department and land management department;
11, other conditions stipulated by the bank.
What are the loan channels for small and medium-sized enterprises in China
Loans for small and medium-sized enterprises are generally divided into mortgages and. And subdivided into the following ways:
Small and medium-sized enterprise loan way one, comprehensive credit
That is, for some good business conditions, credit reliable enterprises, granted a certain amount of credit line within a certain period of time, the enterprise in the validity of the period with the line of credit within the scope of the recycling can be used. Comprehensive credit line by the enterprise a one-time declaration of relevant materials, the bank a one-time approval. Enterprises can use the money in installments according to their own operating conditions and repay as they borrow, which makes it very convenient for enterprises to borrow money and saves the cost of loans at the same time. Banks use this way to provide loans, generally for business registration, annual inspection, management, reliable credit, with the bank has a longer-term relationship with the enterprise.
Small and medium-sized enterprise loan mode two, credit guarantee loan
Currently in the country's 31 provinces and municipalities, more than 100 cities have set up small and medium-sized enterprise credit guarantee institutions. Most of these institutions are implemented in the form of membership management, belonging to the public **** service, industry self-regulation, their own non-profit organizations. The source of the guarantee fund is generally composed of local financial allocations, members' voluntary membership funds, funds raised by the community, funds from commercial banks and other components. When member enterprises borrow from banks, they can be guaranteed by SME guarantee organizations. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When enterprises cannot provide guarantee measures acceptable to banks, such as mortgages, pledges or third-party credit guarantors, guarantee companies can solve these difficulties. This is because guarantee companies are more flexible in their collateral requirements compared to banks. Of course, in order to protect their own interests, guarantee companies will often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will also send staff to enterprises to monitor the flow of funds.
Small and medium-sized enterprise loan mode three, project development loan
Some high-tech small and medium-sized enterprises have significant value of scientific and technological achievements transformation project, the initial amount of capital investment is relatively large, the enterprise's own capital is difficult to bear, you can apply for a project development loan from the bank. Commercial banks have mature technology and good market prospects for high-tech products or patented projects of small and medium-sized enterprises, as well as the use of high-tech achievements for technological transformation of small and medium-sized enterprises, will give active credit support to promote enterprises to speed up the transformation of scientific and technological achievements. For high-tech SMEs that have established stable project development relationships with higher education institutions and research institutes or have their own research departments, banks can also handle project development loans in addition to providing working capital loans.
Small and medium-sized enterprise loan mode four, natural person guarantee loan
August 2002, the Industrial and Commercial Bank of China took the lead in launching the natural person guarantee loan business, the future Industrial and Commercial Bank of China's domestic institutions, small and medium-sized enterprises for a period of three years or less credit business, can be a natural person to provide property guarantees and bear the responsibility for the payment of compensation. The natural person guarantee can be in the form of mortgage, pledge of rights or mortgage plus guarantee. The property that can be mortgaged includes individually owned property, land use rights and means of transportation. Personal property that can be pledged includes savings certificates of deposit, certificated treasury bonds and registered financial bonds. Mortgage plus guarantee refers to a joint and several liability guarantee of the mortgagor on top of the property mortgage. If the borrower fails to repay all the principal and interest of the loan on time or other defaults occur, the bank will require the guarantor to fulfill the guarantee obligation.
Small and medium-sized enterprise loan mode five, personal entrusted loan
China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other commercial banks have launched a new variety of loan business - personal entrusted loan. That is, by the individual entrusted to provide funds, by the commercial banks in accordance with the principal to determine the object of the loan, purpose, amount, duration, interest rate, etc., on behalf of the issuance, supervision, use and assist in the recovery of a loan. The basic procedure for personal entrusted loan is:
1. The principal to the bank to put forward the application for lending.
2. The bank selects and matches according to the conditions and requirements of both parties and introduces them to the principal and the borrower respectively.
3. The principal and the borrower meet directly to discuss and decide on specific matters and details such as the amount of the loan, the interest rate, the duration of the loan, the repayment method and so on.
4. The borrower and the lender go to the bank together and sign a commission agreement with the bank after they have agreed on the requirements and conditions.
5. The bank investigates the creditworthiness and repayment ability of the borrower and issues an investigation report, and then the borrower and lender sign a loan contract and issue a loan after approval by the bank.
Small and medium-sized enterprise loan mode six, bill discount loan
Bill discount loan, refers to the bill holders will be commercial paper transfer to the bank, get the funds after deducting the discount interest. In China, commercial paper mainly refers to banker's acceptances and commercial acceptances. This kind of ......
What are the collaterals for a mortgage?
(i) houses and other above ground fixtures to which the mortgagor has title;
(ii) houses or other buildings under construction by the mortgagor;
(iii) pre-sale houses purchased by the mortgagor;
(iv) machines, means of transportation and other property to which the mortgagor has title;
(v) State-owned land use rights, houses and other aboveground attachments which the mortgagor has the right to dispose of in accordance with law;
(vi) State-owned machines, means of transportation and other properties which the mortgagor has the right to dispose of in accordance with law;
(vii) land use rights of barren mountains, barren ditches, barren hills, barren beaches and other barren land contracted by the mortgagor in accordance with law and agreed to be mortgaged by the contracting party;
(viii) other properties which in accordance with law Other properties that can be mortgaged.
In addition to the above properties, land ownership, cultivated land, and property of state organs are not allowed to be used as collateral security for loans, specifically:
(i) land ownership and other natural resources or properties prohibited to be circulated or transferred according to law;
(ii) collectively owned land use rights such as arable land, homesteads, self-reserved land, and self-reserved hills, except for deserted mountains that are contracted by mortgagors according to law and agreed to be pledged by the contracting party;
(viii) land use rights on barren mountains, barren ditches, barren beaches, and other barren lands according to law. The land use rights of barren mountains, barren ditches, barren hills, barren beaches and other barren lands contracted by the mortgagor in accordance with the law and agreed to be mortgaged by the contracting party, except for the land use rights of barren mountains, barren ditches, barren hills, barren beaches and other barren lands;
(iii) properties of state organs;
(iv) educational facilities, medical and health facilities and other facilities of public welfare of public organizations such as schools, kindergartens, hospitals and other public welfare oriented institutions and social organizations;
(v) mortgage guarantees provided for the Company's shareholders of the Company, unless otherwise provided for in the Articles of Association and agreed upon by resolution of the shareholders' meeting;
(vi) property of which the ownership or right of use is unknown or disputed;
(vii) buildings that have been recognized as illegal or unauthorized by legal procedures;
(viii) property that has been seized, detained, supervised or subjected to other coercive measures in accordance with the law;
(ix) Rented or escrowed or sold property
(j) Publicly owned residential housing that has been rented out and rented residential housing for an unspecified period of time; real estate that has been legally declared to be within the scope of expropriation for national construction; ancient buildings listed for cultural relics protection, and buildings of significant commemorative significance rented or escrowed or sold property;
(k) Fixed assets that have been depreciated or will be depreciated during the loan period; obsolete, aging, aged or other mandatory measures;
(l) Property that has been depreciated or will be depreciated during the loan period Fixed assets, obsolete, aging, broken and non-general-purpose machinery and equipment;
(xii) other property that cannot be mortgaged by law.
What to take as collateral for working people's loansThe three most commonly used collateral
Fixed job and stable income, both of which can be said to be the basic conditions for loans. Although the workers have the above two, but the monthly income is not high, it is still difficult to get a higher amount of loans from the bank. This is where collateral comes in handy. With collateral as a guarantee, you can increase the chances of getting a loan and the amount of money. So what is the collateral for a working person's loan? Here we take a look.
The items that can be used as collateral for a bank loan include six types of collateral: inventory collateral, customer account collateral, equipment collateral, securities collateral, real estate collateral, and life insurance policy collateral. The first three are the collateral applicable to enterprises, so what is the most common collateral for working people's loans are securities mortgage, real estate mortgage and life insurance policy mortgage.
1, securities mortgage
Securities mortgage is a variety of securities such as stocks, bills of exchange, promissory notes, certificates of deposit, bonds, etc. as collateral, to obtain short-term loans.
No bank in China can handle personal stock mortgages, only private lending institutions can, general treasury bonds mortgage is the easiest to handle. According to the provisions of the Bank of China, the maximum loan period of treasury bonds is not more than one year or the maturity date of treasury bonds; the starting point of the treasury bond amount is generally 5,000 yuan, and each loan is not more than 90% of the value of the bond pledge.
2, real estate mortgages
Real estate mortgages that the borrower to provide such as land, houses and other real estate mortgage to obtain loans. The most common is the real estate mortgage, the loan principal, interest and can not exceed 1/2 of the appraised value of the collateral. the property used to mortgage need to meet the following conditions:
1) from the date of completion of the house began to calculate the age of the loan property plus the loan shall not be more than 40 years;
2) housing property rights to be clear;
3) is included in the urban renewal planning property can not be mortgaged. remodeling plan cannot be mortgaged.
3, life insurance policy mortgage
Life insurance policy mortgage refers to the creation of a mortgage on the right to claim insurance benefits, which is a loan to the insured person with the limit of the surrender premium of the life insurance contract, using the insurance policy as a collateral.
Policy mortgages also come with conditions. The terms and conditions of some long-term life insurance policies stipulate that the insured can only apply with the insurance policy if the insured has paid premiums for more than two years and the insurance period has been completed for two years. In addition, the policy loan is for a shorter period of time, usually up to six months, and the amount of the loan can not exceed a certain percentage of the cash value of the insurance policy at the time, and this percentage is different for each insurance company.
See here, we should have a rough understanding of what the working class loan mortgage, the most common is the securities mortgage, real estate mortgage, life insurance policy mortgage these three.
On the loan what collateral and loans generally mortgage what things to the end of the introduction, I do not know you find the information you need from it?