The salary card cannot be mortgaged. Personal salary card, just a debit card issued by the bank, is not eligible for mortgage loan. Because the collateral used for loans must be property with certain value, such as houses and cars.

Property as collateral must meet four conditions:

First, the mortgagor has the right to dispose;

Second, it must be within the scope permitted by law;

Third, it is easy to manage and implement;

Fourth, the creditor's rights secured by the mortgagor cannot exceed the value of the collateral.

According to Article 180 of the Property Law of People's Republic of China (PRC), the following properties that the debtor or a third party has the right to dispose of can be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) The contracted management right of wasteland and other land obtained through bidding, auction and public consultation; ?

(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.

Extended data:

If there is no qualified real estate as collateral, capital turnover is urgently needed, and there is no qualified collateral, you can apply for an unsecured loan if you meet certain requirements.

The following are the application conditions for unsecured loans

1, has a stable job and income, and has the ability to repay the loan principal and interest on time.

2. Have a good credit record.

3. 18-60 years old, with full capacity for civil conduct.

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