1. What are the common mortgage items?

Each loan has its own different collateral, some of which are personal credit and some are personal assets.

1, property mortgage:

Houses and other fixed objects on the ground;

Machines, means of transport and other property;

State-owned land use rights, houses and other fixed objects on the ground;

State-owned machinery, vehicles and other property;

Land use rights of barren hills, ditches, ridges, beaches and other wasteland contracted according to law and mortgaged with the consent of the employer;

2. Chattel pledge:

Bills of exchange, checks and promissory notes;

Bonds and certificates of deposit;

Warehouse receipts and bills of lading;

Transferable fund shares and equity;

Property rights in transferable intellectual property rights such as the exclusive right to use registered trademarks, patents and copyrights;

Accounts receivable;

Other property rights that can be contributed according to laws and administrative regulations;

3. Credit mortgage:

In fact, pure credit loans do not need mortgage, which means that bank financial institutions mainly give loans based on reputation, so credit and qualification are collateral.

4. Secured loan:

A legal person with the ability to pay off debts by subrogation;

Other economic organizations or natural persons;

Second, the mortgage loan process:

1. Materials of vehicles or real estate that need mortgage loans provided by customers;

2. The appraiser of the borrower evaluates the vehicle or property to be mortgaged;

3. The borrower and the lender negotiate the value of the mortgaged vehicle or property;

4. The vehicle or real estate mortgage contract signed by the borrower and the lender and notarized at the same time;

5. The borrower and lender shall go to the vehicle management office or the housing management bureau for mortgage registration and relevant certificates;

6. The lender will drive the vehicle to the parking lot designated by the borrower, hand over all the car keys to the bank for safekeeping, and the borrower will draw up a receipt list and pay the mortgage amount at the same time, or hand over the real estate license to the bank for mortgage.

3. What kind of house can't be mortgaged?

(1) Property with outstanding loan

The real estate collateral of real estate mortgage loan must be real estate without any mortgage or loan. If the property has been mortgaged or the property is still under mortgage, the bank already owns other rights of the property, and the borrower mortgages the property again, the bank cannot handle it, because the two banks cannot own other rights of a property at the same time.

(2) Some public houses have been purchased.

There are two situations in which the purchased public houses can't be mortgaged: First, the purchased public houses can't provide the purchase contract or agreement, because some purchase contracts will contain the clause that the original unit has the preemptive right, and the bank can't obtain other rights, so the bank can't operate this property mortgage loan; The other is the central delivery room that cannot provide the listing certificate of the purchased public housing central delivery room. Such a property cannot be listed and traded, so it is impossible to run a business.

(3) Affordable housing with less than five years.

According to the current national policy, affordable housing less than five years old is not allowed to be listed and traded, nor can it apply for real estate mortgage loans. Demolition houses are generally managed in accordance with affordable housing.

(4) Small property houses without real estate licenses.

Residents who have not obtained the ownership certificate of small property houses have only the right to use the houses, but no ownership. Without the ownership certificate of this property, this kind of property can't be listed and traded, and it can't go through mortgage procedures and mortgage loans.

The common collateral for handling loans in life is actually real estate mortgage, of course, there are also chattel mortgages, including some chattel pledges, including bills of exchange, checks, bonds, etc., which can be used as collateral. For different types of loans, there are different collateral, some can be mortgaged by personal credit, and some large loans must be mortgaged by personal assets.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.