1, property mortgage
Refers to the mortgage set with real estate as collateral. The so-called real estate refers to the property that cannot be moved or will lose its original value or use value, such as land (in China, it is limited to the right to use construction land and the contractual management right of mortgaged land), buildings and other land attachments (such as houses).
2. Chattel mortgage
Refers to the mortgage set with movable property as collateral. Movable property refers to the movable property without affecting its use value or reducing its value (in China, it is limited to special movable property such as transportation).
3. Mortgage of rights
Refers to the mortgage with various property rights stipulated by law as collateral. According to China's current laws, rights can only be used for pledge.
4, consortium mortgage
Also known as enterprise mortgage, it refers to the mortgage made by the mortgagor (enterprise) with all his movable property, real estate and rights as the mortgage target; This type is actually a collection of various types of guarantees, and it is not a legal way of mortgage.
5.* * * Same mortgage
Also known as blanket mortgage, it refers to the mortgage set on several different properties for the guarantee of the same creditor's right. This type is actually a collection of various guarantees, and it is not a legal mortgage method.
6. Maximum mortgage loan
It means that the mortgagor and the mortgagee agree to guarantee the creditor's rights that occur continuously within a certain period with collateral within the maximum limit.
Extended data
Before buying a second-hand house, you must verify the nature, ownership and agency authorization of the house. Regarding the nature and ownership of the house, the buyer can handle it according to the situation after inquiring about the property information: don't buy the house that has been sealed up and can't be traded, and should fulfill the duty of good faith care when buying ordinary commercial houses. For houses with multiple mortgages, sign contracts carefully.
The seller should also be honest and law-abiding, and truthfully inform the house owner, mortgage and purchase qualification before signing the contract; After the contract is signed, it should be performed in time according to the contract to prevent the high litigation cost and serious consequences that may be caused by breach of contract.
For a long time, due to the lack of collateral, it is difficult for farmers to obtain loans from banks. Faced with the difficulty of farmers' loans and the shortage of effective collateral, from 2065438 to March 2006, the People's Bank of China promulgated two documents, namely, the Interim Measures for the Pilot Project of Mortgage Loan for Rural Contracted Land Management Rights and the Interim Measures for the Pilot Project of Mortgage Loan for Farmers' Housing Property Rights.
In the report of the 19th National Congress of the Communist Party of China, it is pointed out that the modern agricultural industrial system, production system and management system should be built, the agricultural support and protection system should be improved, various forms of moderate scale operation should be developed, new agricultural business entities should be cultivated, and the agricultural socialized service system should be improved to realize the organic connection between small farmers and modern agricultural development.
Baidu encyclopedia-mortgage
People's Daily Online-Take the case as an example: It is hard to see that the mortgage cannot be transferred.
People's Network-"Two Rights" mortgage to solve the problem Rural financial services are more "grounded"