If you borrow from China Merchants Bank, you can accept pledges: RMB demand deposits and RMB time deposits, foreign currency time deposits, local and foreign currency time deposits, voucher-type government bonds, savings bonds, book-entry government bonds, local and foreign currency entrusted wealth management products and personal life insurance policies; Consumption can only be pledged by the borrower himself or his spouse.
The general credit period is not more than 5 years, and the term of a single loan or credit project is not more than 3 years; If the loan is for studying abroad, the maximum term of a single loan or credit line shall not exceed 6 years (inclusive). Amount: not less than 50,000 yuan at least, and not more than100,000 yuan in principle; The specific loan amount you can borrow needs to be determined by the outlet after approval according to the amount of collateral and your comprehensive situation. You can contact the loan handling bank directly for consultation!
Second, can equity be mortgaged?
Legal Analysis: Equity cannot be mortgaged. Equity refers to a comprehensive right of personal rights and property rights enjoyed by shareholders of a limited liability company or a joint stock limited company, which belongs to personal dependence. The ownership of equity is inseparable, but mortgage can be set.
Legal basis: Article 410 of the Civil Code of People's Republic of China (PRC) stipulates that if the debtor fails to perform the due debts or the parties agree to realize the mortgage right, the mortgagee may agree with the mortgagor to get priority compensation from the mortgaged property. If the agreement harms the interests of other creditors, other creditors may request the person to cancel the agreement.
If the mortgagee and the mortgagor cannot reach an agreement, the mortgagee may request auction or sale of the mortgaged property.
According to the market price.
Third, can equity be used as collateral?
Yes, as long as the corresponding conditions of equity mortgage are met. The borrower borrows money from the lender by using the company's equity (shares) held by himself or a third party, so long as the lender allows it, there is no need to meet special conditions. Generally speaking, the borrower should be an enterprise (legal person), other economic organizations, individual industrial and commercial households or natural person with People's Republic of China (PRC) nationality and full capacity for civil conduct approved and registered by the administrative department for industry and commerce (or competent authority). If the borrower is different from the pledgor, the pledgor is the legal owner of the pledged equity and has the right to pledge the equity.
Fourth, can equity be mortgaged?
Equity can be mortgaged, and the process of equity mortgage loan is: 1. The equity borrower shall apply to the lending institution and submit relevant materials; 2. The equity borrower and the lender shall sign a loan contract in writing; 3. Within the agreed time after the signing of the equity pledge contract, the parties concerned shall go to the equity pledge registration institution to register the equity pledge. Apply to the administrative department for industry and commerce for registration of equity pledge and submit materials. What materials should be submitted for notarization of equity inheritance? The materials to be submitted for notarization of equity inheritance are as follows: 1. The identity certificate of the party concerned, that is, copies of the resident identity cards of all legal heirs; 2, the decedent's death certificate, such as cremation certificate, death certificate issued by the hospital, account cancellation certificate; 3. Proof of kinship. Issued by the deceased unit, listing the spouse, children and parents of the deceased; 4. If any heir renounces the right of inheritance, they shall submit a declaration of renunciation; Notarial declaration of renouncing the right of inheritance should be submitted in different places: local people should make a statement in the notary office. 5. If there is the death certificate of the heir who died before the decedent and the certificate of the legal heir. Legal basis: Article 440th of the Civil Code of People's Republic of China (PRC), the following rights that the debtor or a third party has the right to dispose of can be pledged: (1) bills of exchange, promissory notes and checks; (2) Bonds and certificates of deposit. (3) Warehouse receipts and bills of lading. (4) Transferable fund shares and equity. (5) Transferable exclusive right to use a registered trademark, patent right, copyright and other intellectual property rights; (6) Current and future accounts receivable; (7) Other property rights that can be pledged according to laws and administrative regulations.