Gold can be handled. Gold refers to the way that borrowers borrow money from silver with standard gold that can be traded and delivered on the gold exchange as pledge.
1. Multilateral Depository now has gold loan business. According to the current gold price, you can mortgage this100g of gold and get 50g of the corresponding amount of10g, which will be frozen and cannot be used any more. At the same time, the proportion of mortgage depends on the parameters of multilateral deposit. I think it's quite convenient. For example, if you need to apply for "Personal automobile mortgage" and China Merchants Bank agrees to use real estate as collateral for the current mortgage loan, then if you want to apply for "Personal automobile mortgage", you can use the purchased vehicle (brand-new non-operating car) as a mortgage application; If you have unexpired time deposits, certificates of deposit, etc. , you can also try to apply. Under normal circumstances, not all banks have gold and silver, and not all businesses are involved, so it is recommended not to choose gold and silver mortgage loans, which is more troublesome.
Promote gold mortgage loan business in China. This business is divided into two types. First, when gold investors buy gold, they can pay the bank the first mortgage of 10% ~ 15% of the gold price they want to buy, and then they can buy the spot. According to reports, this kind of gold mortgage loan business generally refers to the daily quotation of the Shanghai Gold Exchange, and then makes loans according to the gold price.
After the establishment of the mortgage, if the debtor fails to fulfill his promise at maturity, the mortgage discount or the sale price of the mortgage has priority over other creditors. From the legal point of view, mortgage refers to the legal act that the debtor or the third party mortgages certain property to the creditor as a guarantee for paying off debts. It mostly happens in the mortgage loan lent by the bank when buying real estate.
Second, can I borrow money to buy gold?
At present, banks have carried out gold mortgage loan business nationwide. This business can be divided into two types. 1. When buying gold, gold investors can first pay the bank a down payment of 10% ~ 15% of the gold price they want to buy, and then mortgage the previous gold bars to the bank to buy spot gold. The second business is still in the pipeline. According to reports, this kind of gold mortgage loan business is generally based on the daily quotation of the Shanghai Gold Exchange, and then the loan is discounted at a discount of about 6% to 7% of the gold price.
Third, can gold be mortgaged?
At present, banks have carried out gold mortgage loan business nationwide. This business can be divided into two types. 1. When buying gold, gold investors can first pay the bank a down payment of 10% ~ 15% of the gold price they want to buy, and then mortgage the previous gold bars to the bank to buy spot gold. The second business is still in the pipeline. According to reports, this kind of gold mortgage loan business is generally based on the daily quotation of the Shanghai Gold Exchange, and then the loan is discounted at a discount of about 6% to 7% of the gold price.
4. Can gold be mortgaged?
Gold can be used as collateral for loans. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. The difference between housing mortgage and housing mortgage. Different costs: mainly in terms of interest rates. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Due to tight policies and small quotas, interest rates have risen instead of falling. But the floating property of mortgage loan is lower than that of mortgage loan. Different subjects of legal relationship: in the mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there must be at least three legal subjects, namely, the mortgagor (bank), the mortgagor (buyer) and the third party (original house owner). The preconditions are different: the borrower wants to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy a house or for other purposes. However, mortgage loan is a personal housing loan business that buyers use the purchased house as collateral and real estate companies provide regular guarantees, but it can only be used for buying houses. Gold is a simple form of chemical element gold, which is a soft, golden yellow and corrosion-resistant precious metal. Gold is a rarer, more precious and more valuable metal.