Companies can mortgage loans, but they must meet the following conditions: 1, business license, tax registration certificate, code certificate, etc. 2. Have a loan card issued by the People's Bank of China and no bad credit record. 3. The registered business of the company is over 1 year, and the annual turnover in the latest year is more than 3 times of the loan amount. The characteristics of corporate mortgage loans are: 1. The operating property used for mortgage must be a loan owned by the borrower, located in a prosperous business district, and used for external rental, with the rent collected as the repayment source. 2. The loan can be used for legal and compliant capital requirements within the company's business scope, including but not limited to debt replacement funds and funds exceeding the specified proportion of project capital. 3. The value of collateral must be evaluated by a real estate appraisal company with the qualification of real estate appraisal institutions above Grade II in the Measures for the Administration of Real Estate Appraisal Institutions promulgated by the Ministry of Construction. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Legal objectivity:

Article 425 of the Civil Code of People's Republic of China (PRC) guarantees the performance of the debt. If the debtor or a third party transfers his chattel to the creditor for possession, and the debtor fails to perform the due debt or realize the pledge according to the agreement of the parties, the creditor has the right to be paid in priority for the chattel. The debtor or the third party specified in the preceding paragraph is the pledger, the creditor is the pledgee, and the delivered movable property is the pledged property. Article 443rd of the Civil Law of People's Republic of China (PRC) pledges the fund share or equity, and the pledge right is established when the pledge registration is handled. After the pledge, the fund share and equity shall not be transferred, except that the pledgor and the pledgee agree through consultation. The pledgor shall pay off the debts in advance to the pledgee or deposit the proceeds from the fund share and equity transfer.