Of course.

Equipment mortgage loan refers to the short-term working capital loan business applied to our center with the core production equipment owned by the enterprise as the main guarantee.

Product characteristics

(1) expanded the scope of collateral and solved the problem of insufficient collateral for small and medium-sized production enterprises.

(2) Revitalized the fixed assets of enterprises and broadened the financing channels of enterprises.

(3) The range of mortgage equipment is wide, which is suitable for different types of production-oriented small and medium-sized enterprises.

Applicable object

This product is suitable for those manufacturing enterprises or equipment leasing enterprises with good operating conditions, rapid growth in financing demand and lack of real estate mortgage guarantee.

operation flow

(1) The handling sub-center must be admitted to an appraisal company with asset appraisal qualification;

(2) Examination and approval according to general mortgage business;

(3) Before lending, you must go through the mortgage registration formalities with the local administrative department;

(4) Lending and normal post-loan management, the examination and approval opinions can clearly require that the frequency of post-loan on-site inspection should be higher than other general guarantee businesses.

2. Can China Merchants Bank use equipment to mortgage loans?

can

3. Can China Merchants Bank use equipment to mortgage loans?

If we handle mortgage loans and loan collateral through China Merchants Bank, our mortgage loans only accept real estate as collateral at present; Car mortgage loan application is not supported for the time being. If you apply for an individual automobile mortgage, you can apply for the purchased car as a mortgage; If you have unexpired time deposits, certificates of deposit, etc. , you can also try to apply.