1. Does the enterprise loan need mortgage guarantee?

Corporate loans don't have to be secured by mortgage. You can apply for enterprise credit loans without mortgage or guarantee.

civil law

Article 425 Where the debtor or a third party transfers his movable property to the creditor to guarantee the performance of the debt, and the debtor fails to perform the due debt or the creditor has the right to be paid in priority for the movable property.

The debtor or the third party specified in the preceding paragraph is the pledger, the creditor is the pledgee, and the delivered movable property is the pledged property.

Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property.

The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Second, how to judge that the mortgage guarantee contract is invalid

The mortgage guarantee contract is invalid under the following circumstances:

(1) theme is illegal.

The party concerned is a person without capacity or with limited capacity; The guarantor qualification is illegal; Other circumstances stipulated by law.

(2) the object is illegal

Mortgage of property is prohibited by law; Mortgaged or pledged property is stolen goods or lost property.

(3) the content is illegal

It is invalid if the creditor uses fraud, coercion or taking advantage of the danger of others to make the guaranteed person deduct the guarantee against his true meaning.

What can a mortgage loan mortgage?

Mortgage loans can generally mortgage the following six items:

1, inventory mortgage. Refers to all kinds of goods as collateral, such as commodities and raw materials. ;

2. Securities mortgage. Take various securities as collateral, including bonds, stocks, certificates of deposit, bills of exchange, etc. ;

3. Equipment mortgage. Taking vehicles, ships and mechanical equipment as collateral;

4. Real estate mortgage. Take real estate, land, etc. As collateral;

5. Customer account mortgage. Collateral with accounts receivable;

6. Life insurance policy mortgage. Take the surrender amount of life insurance as collateral.

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. mortgage

Similarities between mortgage and pledge:

1. Mortgage loan refers to the loan that the borrower obtains from the bank with certain items as the guarantee. Both are common forms of bank lending.

2. Mortgage and pledge belong to guarantee. Guarantee refers to the system that the law urges the debtor to perform his debts with the credit or specific property of the debtor or a third party in order to ensure the specific creditor to realize his creditor's rights.

The difference between pledge and mortgage

(1) provides different protection items. Mortgaged collateral is usually real estate (such as land and houses) and special movable property (cars and boats). ); Pledges are mainly movable property (such as certificates of deposit and bonds).

(2) Different forms of possession. Mortgage is not carried out in the form of transferring the possession of collateral, and the mortgagor is still responsible for the custody of collateral; Pledge has changed the form of possession of pledged property, and the pledgee has the responsibility to keep the pledged property. For example, I mortgaged my property, but it is still in my possession and custody. If I pledge the certificate of deposit, it will be possessed and kept by the creditor.

(3) The mortgage only has the simple guarantee effect, and the pledgee in the pledge not only controls the pledge, but also embodies the lien effect.

(4) Different disposal rights. If the debtor fails to repay the debt on time, the creditor has no direct right to dispose of the collateral, and it is necessary to complete the disposal of the collateral through consultation or judgment with the mortgagor through appeal; However, the creditor may dispose of the pledge outside the time stipulated in the contract without consultation or judgment.

What kind of collateral does China Bank's e-loan mortgage support?

Types of collateral supported by Bank of China, Bank of China and Easy Loan:

Bank of China supports houses, apartments and villas with clear property rights, stable value and easy realization owned by the above-mentioned natural person's borrowing enterprises, actual controllers, legal representatives, shareholders, spouses, parents and adult children, and must meet the following conditions:

1. Commodity real estate with complete property rights, without property rights disputes and market circulation restrictions.

2. In principle, it is located in the same province as the actual business address of the borrowing enterprise.

3. The first mortgagee of China.

4. Apartments are divided into residential apartments, non-commercial apartments and serviced apartments.

5. Other collateral access conditions required by China Bank.

The above contents are for your reference. Please refer to the actual business regulations.

What are the corporate mortgage loans? There are mainly these!

At present, there are many small and medium-sized enterprises in China, but many of them are family-owned or lack of perfect governance structure, which leads to irregular fund management and imperfect enterprise financial system, which will make enterprises unable to obtain financing loans for various reasons. Now you need to provide enough collateral to apply for bank corporate loans, mainly including the following contents.

1, personal business loan

Mortgage of real estate (houses, shops, office buildings, etc.). Applying for a loan from a bank as collateral is generally regarded as the working capital of the enterprise, and the general loan liabilities are included in the personal name, not included in the corporate liabilities.

Loan term: 1-20 years;

Loan amount: commercial housing is 70% of the highest real estate appraisal price, and shops, offices and villas are 60%. The total amount of general banks is controlled within 6,543,800+million, and a few banks can apply for more than 30 million.

Annual interest on loans: this year's policy, the overall situation is good, and the lowest benchmark interest rate applicable to bank loans for more than 5 years is already lower than the benchmark); The interest range of most ordinary banks is 5% ~ 8%;

Relevant application requirements: Generally, as long as the company operates normally, it can apply, and there is no big limit on the time of establishment, but the better the conditions, the lower the interest and the more flexible the repayment method.

2. Enterprise mortgage loan

Apply for loans from banks with real estate (houses, shops, office buildings, factories, etc.). ) as collateral in the name of the company or legal person, shareholder or third party. Loans used for business operations need to be included in the loan card, that is, corporate liabilities.

Loan term: 1-20 years

Loan amount: 70% of the highest appraised real estate price of commercial housing, 60% of shops, office buildings and villas, and 50% of factory buildings; Some banks can exceed the limit of 30 million.

Annual loan interest, other types of loans

Such as equipment financing lease, accounts receivable pledge and so on.

What is the collateral for corporate loans?

What are the collateral that enterprises can use for loans?

The property of many enterprises can be used as collateral for mortgage loans, which can be summarized as follows:

1, first of all, of course, is the real estate and real estate of enterprises, such as factories and land with property rights. This kind of property is also the most acceptable collateral for lending institutions.

2, enterprise equipment, transportation, etc. Such as power equipment, working machinery, scientific research instruments and other production equipment; The vehicle can be a vehicle, transportation equipment, etc.

3. The current assets of the enterprise. Such as fuel, commodities, bills of lading, etc.

4. Enterprise securities. Such as treasury bills, financial bonds, bank bills, company stocks and other securities owned by enterprises according to law.

5. Intangible assets of enterprises. It mainly includes intangible assets such as copyright, trademark right and patent right, and this kind of collateral is usually used more.

What are the types of corporate loans?

Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. At present, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, single certificates of deposit, gold, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, buyers' or agreed interest-bearing bills discounting, domestic recourse factoring, and export tax rebate account custody loans.

What is the interest rate of corporate loans, and what do corporate mortgage loans need at present?

Hello, the premise of our enterprise loan is to open an enterprise settlement account in our bank, and we need to provide certain collateral, which can be the property of the legal representative or shareholders, factories and equipment under the name of the enterprise. Some branches of the bank carry out special business. If you see/receive similar publicity information, you need to contact the account manager of the local branch or sub-branch for details. The nominal loan amount of a company is generally more than 5 million yuan. If the loan demand is below 5 million, you can consider personal business loans or small and micro enterprise loans.

The latest PBOC loan interest rate has been published on our website, and the corporate loan interest rate fluctuates (ranging from 0.9 to 1.7). Please (ctrlc) open the following website: cmbchina/...cdrate.

(If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support! )

What are the characteristics of enterprise fixed assets mortgage loan?

1. Long-term loan term

Compared with the production of general products, the reproduction of fixed assets has the characteristics of large scale and long production cycle, so the loan period of fixed assets loans is also longer than that of general short-term loans.

2. Dual planning

Fixed assets loan projects should not only be included in the national fixed assets investment plan and have construction conditions, but also be bound by the fixed assets loan scale determined by the credit plan.

3. Management continuity

The supervision and management of working capital loans is generally limited to the production or circulation process, while fixed assets loans should be managed not only during the construction process, but also after the project is completed and put into operation until all principal and interest are paid off.

What can be used as collateral for chattel mortgage loan?

1. Special movable property such as airplanes, ships and automobiles. The particularity of this kind of movable property is that its ownership status is determined by registration, and its transaction must also be registered. So some people call it quasi-real estate, and they can also call it registered real estate. Compulsory registration of this kind of movable property is the need of the state's administrative management of movable property with strong liquidity and great value. Like real estate, the publicity effect of mortgage can be achieved through registration.

2. Machinery and equipment, farm tools and livestock of the enterprise. This kind of movable property is necessary for the production of enterprises or farmers, and only mortgage guarantee can be set up. Therefore, I think we should set up a special registration system and registration authority for this kind of movable property. It should be said that it is more convenient for the third party to master this kind of movable property by carrying out special mortgage registration and stipulating the inquiry obligation of the third party. Moreover, the mobility of these types of movable property is small, and the registration system will not have much impact on the smooth transaction. However, it should be noted that the livestock that can be mortgaged should be limited to productive livestock, and it is not allowed to set mortgages for unproductive people such as sheep, pigs, chickens and ducks.

3. The products, materials and other movables of the enterprise. Because this kind of movable property has great liquidity, allowing mortgage is obviously not conducive to protecting the interests of the mortgagee and the third party. However, adopting the registration system and stipulating the inquiry obligation of the third party will inevitably affect the normal conduct of the transaction. Therefore, this kind of movable property should not be allowed to set up a mortgage separately, but it can set up a floating guarantee together with other property of the enterprise.

The above are some regulations in chattel mortgage loan, I hope I can help you.

What information does the enterprise loan guarantee need to provide?

Do you mean the information to be provided by the enterprise as the borrower or the information to be provided by the enterprise as the guarantor? 1. Information required by the borrower: 1, original business license (with annual inspection mark); 2. Organization code certificate; 4. Tax registration certificate; 5. Loan card; 7. Articles of association or partnership agreement; 8. Reports at the end of the last two years and recent reports; 8. ID card and certificate of the legal representative; 9. Capital verification report; 2. Information provided by the guarantor: 1.

If a company or enterprise wants a loan, management right, ownership or something, it can be mortgaged.

Companies or enterprises can mortgage real estate, equipment, vehicles, products, etc. If they want to borrow money, in short, as long as they have their own ownership, there is no external mortgage.

In addition, you can mortgage equity loans.

In addition, if there is no collateral, you can also find a third party to guarantee the mortgage loan, that is, mortgage the loan with the assets of a third party. Of course, you must negotiate with a third party.

What are the best mortgage companies? Ask the insiders to answer? thank you

Hong Xing Finance and Loan Company. It is very famous in Beijing, and all cities in China 160 can mortgage loans, with a wide range, fast lending and relatively simple process.

What are the mortgage companies? Mainly want to be an agent with a score of 100.

The requirements of banks in different regions may be different, depending on the application conditions of local banks.

Real estate mortgage loan conditions:

1,18-a natural person aged 65;

2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

3. There is no illegal act;

4. Good credit information and bad credit records;

5. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

6. Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

7. The property right of the house is clear and meets the listing and trading conditions stipulated by the state;

8. Real estate can enter the real estate market without any other mortgage;

9. The sum of the housing age and the loan application period cannot exceed 40 years;

10. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

1 1, other conditions stipulated by the bank.

What are the loan channels for small and medium-sized enterprises in China?

Generally speaking, SME loans are divided into mortgage loans and. There are several ways to subdivide:

SME loan methods I. Comprehensive credit granting

In other words, for some enterprises with good operating conditions and reliable credit, a certain amount of credit line is given within a certain period of time, and enterprises can recycle the credit line within the validity period and scope. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money by stages according to their own business conditions, which is very convenient for enterprises to borrow money and saves the loan cost. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks.

SME loan mode II. Credit guarantee loan

At present, there are 3 1 provinces and cities in China, and more than 100 cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The sources of guarantee funds are generally composed of local financial allocations, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

Mode 3 of SME loan. Project development loan

Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have major scientific and technological achievements transformation projects. The initial investment is relatively large and their own funds are unbearable. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.

Loan methods for small and medium-sized enterprises. Natural person guaranteed loan

In August, 2002, China Industrial and Commercial Bank took the lead in launching the secured loan business for natural persons. In the future, when domestic institutions of China Industrial and Commercial Bank handle the credit business of small and medium-sized enterprises with a term of less than 3 years, natural persons can provide property guarantee and bear the liability for compensation. Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.

SME loan methods V. Personal entrusted loans

Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loan. That is, a loan that is entrusted by an individual to provide funds and issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client. The basic procedures for handling personal entrusted loans are:

1. The principal applies for a loan from the bank.

2. The bank selects and matches according to the conditions and requirements of both parties, and recommends them to the entrusting party and the borrower respectively.

3. The client and the borrower meet directly to negotiate and make a decision on specific matters and details such as loan amount, interest rate, loan term and repayment method.

4. After the borrower and lender negotiate the requirements, they go to the bank together and sign the entrustment agreement with the bank respectively.

5. The bank investigates the borrower's credit status and repayment ability and issues an investigation report, and then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank.

Loan methods for small and medium-sized enterprises. Discounted bill loan

Bill discount loan refers to the transfer of commercial bills to banks by bill holders, after deducting discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. such ......

This is the end of the flow chart introducing enterprise loan collateral and enterprise mortgage. I wonder if you found the information you need from it?