As an independent enterprise legal person, the company can certainly handle mortgage loans. Corporate mortgage refers to the way that a company, as a borrower, obtains bank loans with all its real estate as collateral. Handling mortgage loans generally requires the following documents:

1, business license, tax registration certificate and other documents.

2. The loan card issued by China People's Bank has a good social credit record.

3. Appropriate turnover of the company. Specific document requirements, but also according to the mortgage requirements of banks.

: mortgage loan method

First of all, you should determine the purpose and amount of your loan, and you will be better prepared after you know the loan demand.

Determine your own collateral. When handling enterprise loans, the items that can be used as collateral generally include: land/real estate/enterprise production equipment/bonds, stocks and other pledges/enterprise liquidity, etc. Different collateral, different banks will have different corporate loan products, of course, their requirements, quotas, interest and so on will not be the same. You need to choose a loan product that meets your needs according to the situation.

Determining whether their qualifications meet the requirements of these loan products mainly depends on three aspects: people, collateral and companies.

Needless to say, people's requirements are definitely better, overdue/debt/running water/income are partly related, and some defects are acceptable. Collateral needs to meet the requirements of loan products. At present, the mainstream collateral is real estate, but not all real estate can be done. Some banks and old residential buildings do not accept it. Companies can be divided into new accounts/half-year accounts/households with more than one year, some of which can be opened as long as they reach the fixed number of years, and some have requirements for business scope and operating conditions.

But basically, the requirements of all loan products will be very specific, and it is easy to judge whether they meet these requirements. Customers are advised to apply for loan products that meet their own requirements. If some unimportant items do not meet (such as the number of credit inquiries, etc. ), they can also try to apply.

Finally, it is the general enterprise loan process of application, evaluation, account release, face-to-face signing, approval, mortgage, lending, repayment, settlement and mortgage cancellation. These are all things that customers are expected to do before applying, so as to improve the success rate of loans and avoid wasting their time and energy and delaying the capital turnover of their own enterprises.