You should make the following preparations: first, you should consult your bank and make clear the type of loan you want to apply for, whether it is a consumer loan or a housing loan. Because the four major state-owned commercial banks (ICBC, ABC, BOC and CCB) have only the above two kinds of personal loans, of course, under these two kinds of loans, there are different types of loans for different types of requirements. If you use a machine as collateral, you can only apply for a consumer loan. If the bank agrees to give you a loan, you need to evaluate the value of the machine to determine the amount of loan that the bank may give you. The maximum loan amount is 70% of the appraised value. Three, you should submit a written loan application to the bank that agrees to lend you a loan, and at the same time submit a copy of your ID card, and provide your credit certificate, salary income certificate or business income certificate as required by the bank. In the process of handling, the bank will put forward specific requirements to you. After all the information is ready, the bank can approve the loan. In addition to the four major state-owned commercial banks, you can also consult local joint-stock commercial banks, such as credit cooperatives, Bank of Communications and China Merchants Bank.

Second, how to mortgage loans for equipment

1. The borrower applies to the lending institution that provides equipment mortgage loan. 2. The lending institution looks for an appraisal company with asset appraisal qualification to evaluate the equipment. 3, lending institutions to investigate and approve the application materials. 4. Approved and signed the Equipment Mortgage Loan Contract. 5. Lending institutions lend money.

3. What are the procedures for green capital mortgage?

Materials to be prepared for applying for automobile mortgage mainly include personal loan materials and automobile materials:

1. Personal loan materials When applying for automobile mortgage, the personal loan materials to be prepared mainly include: personal ID card, household registration book, continuous bank card flow in the last six months, marriage certificate, work certificate and income certificate. Applicants with social security and real estate can also provide personal social security certificates and local real estate certificates.

2. Car information When applying for automobile mortgage, car information is indispensable. When applying for automobile mortgage, the automobile materials to be prepared mainly include the purchase contract, motor vehicle registration certificate, motor vehicle driving license, vehicle insurance policy, etc. In addition, different lending institutions have slightly different requirements for borrowers to apply for automobile mortgage. Therefore, it is very necessary for borrowers to consult lending institutions in advance and make preparations in advance before applying for loans.

Fourth, how to mortgage the equipment.

1. The borrower applies to the lending institution that provides equipment mortgage loan.

2. The lending institution looks for an appraisal company with asset appraisal qualification to evaluate the equipment.

3, lending institutions to investigate and approve the application materials.

4. Approved and signed the Equipment Mortgage Loan Contract.

5. Lending institutions lend money.