Mortgage loans can generally mortgage the following six items:

1, inventory mortgage. Refers to all kinds of goods as collateral, such as commodities and raw materials. ;

2. Securities mortgage. Take various securities as collateral, including bonds, stocks, certificates of deposit, bills of exchange, etc. ;

3. Equipment mortgage. Taking vehicles, ships and mechanical equipment as collateral;

4. Real estate mortgage. Take real estate, land, etc. As collateral;

5. Customer account mortgage. Collateral with accounts receivable;

6. Life insurance policy mortgage. Take the surrender amount of life insurance as collateral.

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. mortgage

Similarities between mortgage and pledge:

1. Mortgage loan refers to the loan that the borrower obtains from the bank with certain items as the guarantee. Both are common forms of bank lending.

2. Mortgage and pledge belong to guarantee. Guarantee refers to the system that the law urges the debtor to perform his debts with the credit or specific property of the debtor or a third party in order to ensure the specific creditor to realize his creditor's rights.

The difference between pledge and mortgage

(1) provides different protection items. Mortgaged collateral is usually real estate (such as land and houses) and special movable property (cars and boats). ); Pledges are mainly movable property (such as certificates of deposit and bonds).

(2) Different forms of possession. Mortgage is not carried out in the form of transferring the possession of collateral, and the mortgagor is still responsible for the custody of collateral; Pledge has changed the form of possession of pledged property, and the pledgee has the responsibility to keep the pledged property. For example, I mortgaged my property, but it is still in my possession and custody. If I pledge the certificate of deposit, it will be possessed and kept by the creditor.

(3) The mortgage only has the simple guarantee effect, and the pledgee in the pledge not only controls the pledge, but also embodies the lien effect.

(4) Different disposal rights. If the debtor fails to repay the debt on time, the creditor has no direct right to dispose of the collateral, and it is necessary to complete the disposal of the collateral through consultation or judgment with the mortgagor through appeal; However, the creditor may dispose of the pledge outside the time stipulated in the contract without consultation or judgment.

What does a bank loan need to be mortgaged?

Bank loans can be mortgaged through real estate, cars, etc. Mortgage loan process: 1. The customer provides the information of the vehicle or real estate to be mortgaged; 2. The appraiser of the borrower evaluates the vehicle or property to be mortgaged; 3. The borrower and the lender negotiate the value of the mortgaged vehicle or property; 4. The vehicle or real estate mortgage contract signed by the borrower and the lender and notarized at the same time; 5. The borrower and lender shall go to the vehicle management office or the housing management bureau for mortgage registration and relevant certificates; 6. The lender will drive the vehicle to the parking lot designated by the borrower, hand over all the car keys to the bank for safekeeping, and the borrower will draw up a receipt list and pay the mortgage amount at the same time, or hand over the real estate license to the bank for mortgage. Article 395 of the Civil Code The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Do you need any collateral for bank loans? Do you need to classify loan types?

Do you need any collateral for bank loans? This needs to be decided according to the type of user's handling in the bank. Generally, collateral is needed when handling mortgage loans, and nothing else is needed. For example, when handling a credit loan, the borrower does not need to provide collateral.

When handling mortgage loans, you can submit real estate, vehicles, etc. As collateral. The bank will evaluate the collateral submitted by the borrower and then give the loan amount. At this point, the borrower can apply for a loan within the loan amount. If the assessed amount of collateral can't meet the loan demand, you can continue to submit collateral at this time.

Although collateral is not needed for handling credit loans in banks, borrowers need to submit income certificates and work certificates. The more personal income, the more money they can borrow. At the same time, the nature of the borrower's work will also affect the loan amount. General banks prefer civil servants, teachers, doctors and other occupations.

Generally, when applying for a loan, the borrower needs to be over 18 years old, have full capacity for civil conduct, have good personal credit information, and provide valid personal identification and loan application. After the submission, the bank will conduct an audit, and the loan can only be obtained after the approval. Some banks also need borrowers to find guarantors, and only in this way can they get loans smoothly.

Users can compare the loan interest rates provided by different banks before formally applying for loans, and then choose the one with low loan interest rate, so that the interest paid after loans is low, which is conducive to the return of subsequent loans. At the same time, the loan can be repaid in advance, saving interest expenses.

Users will collect loans after they are overdue. Moreover, overdue repayment will affect personal credit information, and applying for a loan again after a bad credit information will also be affected. If it is not returned for a long time, the bank will collect it. If the loan is not intended to be returned, the bank will give it to the borrower, and it must be returned after the subsequent judgment, otherwise it will be enforced.

What collateral do you need for bank loans?

What are the conditions for banks to handle mortgage loans and personal loans?

1, legal identity is required;

2, need to have a stable economic income and the ability to repay the loan principal and interest, and no bad credit record;

3. Need a legal and effective purchase contract;

4. If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is below 10, and a down payment of not less than 30% of the total price of the purchased house shall be prepared or paid; ;

5. The mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than 1 year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is less than 10 year;

6. Being able to provide effective guarantee recognized by the loan bank;

7. Other conditions stipulated by the lending bank.

8. The collateral of mortgage loan is your house;

9. You need to have a regular job to repay your loan;

10. Finding commercial banks like China Merchants Bank and Development Bank may lower your income threshold;

1 1. The loan amount is 50% of the amount assessed by the bank. The appraisal is conducted by an appraisal company designated by the bank. The evaluation value is generated according to your age, ancillary facilities, the degree of residential projects and other related factors. Generally, the appraisal price will be lower than the market price of the house, because banks should control risks.