With the continuous improvement of people's understanding of financial management, financial products have attracted more and more attention and love. However, many people will ask, can wealth management products be mortgaged in banks? This paper focuses on this issue, let's take a look.

Can the mortgage of wealth management products be loaned in the bank?

Whether wealth management products can be mortgaged mainly depends on the type, amount and term of wealth management products. If it is a relatively stable wealth management product, such as money funds and short-term wealth management products, you can consider mortgage loans. But if it is a high-risk wealth management product, such as stocks and funds. Banks may refuse loans because the risks are greater.

Mortgage loan/securities loan

Characteristics of 1

Mortgage loan refers to a loan method of borrowing money from banks or other financial institutions with houses, vehicles and other property as collateral. Mortgage loan is characterized by low interest rate and large amount, but the repayment period is long, so it is necessary to provide sufficient collateral as guarantee. Therefore, if you want a mortgage loan, you must have enough collateral.

2 Risk

The risk of mortgage loan mainly comes from two aspects: first, financial risk. If the borrower fails to repay the loan on time, the bank can carry out liquidation according to the collateral, which will bring greater economic losses to the borrower; The second is legal risk. If there is something wrong with the property right of the collateral, the legality of the mortgage loan may be questioned.

The above are some contents of the use of wealth management products in mortgage loans, and I hope to help you.