I. Amount of mortgage
The bank will determine the loan amount according to the value and mortgage rate of the collateral provided by the borrower, and we will know what needs to be mortgaged by backward calculation.
Loan mortgage amount = collateral value × mortgage rate
According to China's regulations, according to the present value of collateral, the mortgage rate shall not exceed 70%.
Why is this mortgage interest rate stipulated? Because the collateral may suffer losses, depreciation, disposal fees, loan interest and overdue penalty interest during the mortgage period, if the amount is given at the same price, these fees may be biased.
Then, if you want to borrow 6,543,800 yuan, the value of collateral should be at least 6,543,800 yuan, which may be even higher.
Second, what kind of mortgage is needed?
Ordinary collateral includes all kinds of goods, including commodities, raw materials, products in process and finished products, stocks, bills of exchange, promissory notes, certificates of deposit, bonds, machinery and equipment, vehicles, ships, land, houses and other real estate, and life insurance policies. As long as the value is between 6.5438+0.5 million yuan and 200,000 yuan, you can find a bank mortgage loan and finally get a loan of 654.38+0.
Then the mortgaged items shall be registered with the relevant departments:
If the house is mortgaged, it shall be registered with the real estate management department;
With transport vehicles as collateral to the public security vehicle management department for registration;
Where machinery, equipment and other materials are used as collateral, they shall register with the administrative department for industry and commerce;
Collateral that has not been registered by the above-mentioned registration department shall go through notarization procedures at the notary department. At the same time of registration, we have to evaluate assets and issue certificates, and basically we can get a loan of about 654.38+10,000 yuan.