For example: state-owned enterprises and wholly state-owned enterprises; Enterprises authorized by the state to invest; Establish limited liability companies and joint stock limited companies with state-owned shares. Educational facilities, medical and health facilities and other public welfare facilities of local governments, schools, kindergartens, hospitals and other public welfare institutions and social organizations shall not be mortgaged or guaranteed.
2) The actual assets formed by the owners' rights and liabilities of state-owned enterprises belong to the property of the enterprise as a legal person, and the enterprise has the right to control it independently and bear civil liability. State-owned enterprises can independently provide their legally occupied assets as collateral to obtain loans (unless otherwise stipulated by the state).
Loan mortgage does not change the ownership of the mortgaged property, but only indicates that the property right will be transferred when the loan cannot be repaid normally. Whether the assets of state-owned enterprises can maintain their value does not depend on whether mortgage is set at the time of loan, but on whether enterprises can effectively use borrowed funds to carry out production, operation or investment activities and obtain economic benefits to ensure timely repayment.
State-owned assets are the sum total of various economic resources legally owned by the state and capable of providing economic and social benefits for the country. It is the floorboard of the state-owned property and property rights.
Extended data:
Loan conditions of mortgage loan:
Have a legal status;
Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;
There is a legal and effective purchase contract;
If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
Being able to provide effective guarantee recognized by the loan bank;
Other conditions stipulated by the lending bank.