(1) Real estate and other fixed objects on land that the mortgagor has the right to control independently;
(two) the right to use state-owned land obtained by the mortgagor according to law;
(3) Other properties recognized by the lender.
After the lender and the mortgagor sign the mortgage contract, both parties must register the mortgaged property in accordance with the relevant laws and regulations. The mortgage contract shall take effect from the date of registration of the collateral and shall be terminated when the borrower pays off all the loan principal and interest. All documents (originals) that can prove the ownership of the mortgaged property and insurance documents (originals) of the mortgaged property shall be kept by the Lender, and the Lender shall bear the responsibility for keeping them.
Pledged loan refers to the loan issued by the lender with the movable property or rights of the borrower or a third party as collateral according to the pledge method stipulated in the Guarantee Law.
What can be used as collateral are: treasury bonds (unless otherwise specified by the state), national key construction bonds, financial bonds, AAA corporate bonds, savings certificates and other securities. The pledgor shall deliver the title certificate to the lender. The pledge contract shall take effect from the date of delivery of the certificate of rights. If the personal savings deposit certificate is pledged, the identity certificate of the bank where the account is opened and the proof of stopping payment shall be provided.