1. What can be used as collateral for bank mortgage loans?

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Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage loans with real estate generally need to be evaluated first, and after evaluation, the loan can reach 70% to 80% of the evaluation price.

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Second, can green book be mortgaged?

Yes, the Green Paper can be mortgaged. Green mortgage is called automobile mortgage, which is divided into bank automobile mortgage and agency automobile mortgage. If the vehicle registration certificate needs to be mortgaged to the bank to buy a loan, most banks require the borrower to sign the relevant mortgage contract and mortgage it to the bank when handling the credit card installment car purchase business with the bank. The bank's approach is to control risks and make borrowers unable to repay their debts. After the borrower has paid off all the loans, he can go through the formalities for cancellation of vehicle mortgage registration. In particular, car loans from banks need certain mortgage loans, but the specific situation is different, depending on which bank to choose. However, the current owner is mainly used as collateral. During the loan period, the bank shall keep the insurance policy, purchase invoice and registration certificate of the car. Different banks have different requirements, asking whether the real estate license is mortgaged, but usually giving priority to registration cards and vehicles. Several common situations in which banks refuse loans: (1) Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have overdue repayment records. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting. (2): With the development of the Internet and big data, many people around you have started to borrow money online, some doing business, and some supporting loans with loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay it off in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. However, according to experience, 95% of banks will ask you to repay when you actually apply for a loan. After the mortgage is approved, it can be handled. Therefore, you must consult relevant questions before buying a house, because there are many cases of unclear settlement and check-out. (The above refers to the loan on credit reporting). (3) Consumer loans: refer to some, such as computer installment and mobile phone installment. No matter the amount, you must pay it off before you can apply for a mortgage, especially for single customers. (4) Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan. (5) Whether there is low-rent housing or special welfare housing for a certain period of time (regional policy): Before buying a house, it should be determined whether there is low-rent housing under the name of family members. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.

Third, can the car be green mortgaged?

Can't mortgage Although the green card can be used to mortgage the loan, the materials required by the lending institution are not only the green card, but also the materials such as running water, income certificate, ID card, credit report, driving license and insurance documents, which the lender needs to prepare in advance.

Because the green copy of the car can only be used for the transfer of automobile property rights and the replacement of the license plate number where the vehicle is registered, and this work must be handled by the owner himself and the original ID card of the owner himself. If you apply for a mortgage loan, in addition to the personal information of the owner, you must also put the car in the loan company or install GPS in the car.

Fourth, can the house be mortgaged?

First of all, the real estate license can be used as collateral to apply for a real estate mortgage loan.

Secondly, if it is a property right certificate with small property rights, it cannot be used as collateral and cannot apply for a mortgage loan.