The personal commercial housing loan of China Bank is secured by mortgage, pledge and guarantee. China Bank's personal commercial housing loan must be secured by mortgage, and the lender can decide whether to increase the pledge guarantee or guarantee guarantee based on the borrower's specific situation.

1. When applying for a mortgage loan, the mortgagee and the mortgagor shall conclude a mortgage contract in writing. The establishment of collateral, mortgage contract and mortgage right shall comply with the contract law, property law, guarantee law and other laws, regulations and regulatory provisions. The collateral shall be the commercial house purchased by the mortgagor, and other commercial houses owned by the mortgagor shall not be used for mortgage.

2. If the loan is applied by pledge, the pledge method can be chattel pledge or right pledge, and the pledgee and pledger must sign a pledge contract. Where the right is pledged, the pledge is limited to bonds and certificates of deposit, and other rights including equity are not accepted for the time being. The establishment of pledge, pledge contract and pledge right shall comply with the contract law, property law, guarantee law and other laws, regulations and regulatory provisions; The Lender shall timely request the Pledger to deliver the pledge and go through the pledge registration procedures to ensure the effective establishment of the Lender's pledge right. If the lender thinks notarization is necessary, the borrower (or pledger) shall handle notarization. The pledgor shall hand over the pledged property or confirmed property right certificate to the lender for safekeeping. During the pledge period, without the consent of the pledgee, the pledger shall not transfer or repeatedly pledge the pledged property, and shall not report the loss for any reason.

3. If the purchased commercial house is mortgaged, the mortgage rate shall not exceed 50% of the mortgaged property value; Where certificates of deposit or certificates of national debt are pledged, the pledge rate shall not exceed 90%; If other bonds are pledged, the pledge rate should be determined strictly according to the value of the pledge.

4. If the loan is applied by way of guarantee, the borrower shall provide a third-party joint liability guarantee acceptable to the lender. The guarantee provided by a third party is an irrevocable full and effective joint liability guarantee, which must comply with the provisions of the Guarantee Law.

Where a guarantee is adopted, the guarantor and the creditor must sign a guarantee contract, and the guarantor shall bear joint and several liability. When the guarantor changes, it must go through the formalities for changing the guarantee in accordance with the regulations. The original guarantee contract shall not be revoked without going through the formalities of guarantee change.

Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.

The above contents are for your reference. Please refer to the actual business regulations.

What is the secured loan process?

Small secured loan process

1. Apply to the local human resources and social security department and provide relevant materials as required. The relevant departments shall examine whether the qualification examiners who submit applications are qualified and the authenticity of the submitted materials;

2. Implement relevant guarantee conditions. After the qualification examination of the applicant, the guarantee conditions provided by the applicant will be reviewed to ensure the authenticity and credibility of the guarantee, so as to reduce financial risks;

3. Application of financial institutions: After the qualification examination of relevant government departments and the qualification examination of guarantor, the applicant will apply to relevant financial institutions.

4. After receiving the application materials submitted by the applicant, the financial institution will review them according to the prescribed procedures. If the materials submitted by the applicants pass the examination, they will prepare loans; At the same time, sign relevant contract procedures and report relevant data to relevant government departments;

5. Do post-loan management, supervise whether the applicant's loan is implemented, and repay the loan on time according to the contract in advance.

Enterprise guaranteed loan process

1. Application: The enterprise applies for loan guarantee.

2. Inspection: check the operation, financial status, mortgaged assets, tax payment, credit status and business owners of the enterprise, and initially determine whether to guarantee.

3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank.

4. Guarantee: identify loan guarantee and counter-guarantee agreements, asset mortgage and registration with enterprises, sign guarantee contracts with loan banks, and formally establish guarantee relationships with banks and enterprises.

5. Lending: Banks issue loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees to enterprises.

6. Tracking: tracking the loan usage and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.

7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repaying the loan in advance and ensure the normal operation of the enterprise's capital flow.

8. Dissolution: Cancellation of mortgage registration, and dissolution of guarantee relationship with banks and enterprises with the enterprise's bank repayment form.

9. Record: Record the credit situation of this loan guarantee, which is divided into four grades: normal, abnormal, overdue and bad debt, so as to provide credit records for subsequent guarantees.

10. Filing: sorting, filing and sealing various agreements signed with banks and enterprises, as well as vouchers after loan repayment and vouchers for cancellation of guarantee, for future reference.

What is the specific process of bank-guaranteed loans?

Secured loan means that when the borrower cannot provide mortgage (pledge) in full, the third party recognized by the lender should provide joint liability guarantee. Secured loans include secured loans and mortgage loans. The secured loan process is as follows:

1. Application: The enterprise applies for loan guarantee.

2. Inspection: check the operation, financial status, mortgaged assets, tax payment, credit status and business owners of the enterprise, and initially determine whether to guarantee.

3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank.

4. Guarantee: evaluate the guarantee and counter-guarantee agreement with the enterprise.

5. Lending: The bank issues loans to enterprises on the basis of reviewing the guarantee, and at the same time collects guarantee fees from enterprises.

6. Tracking: Tracking the loan use and operation of enterprises.

7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repaying the loan in advance and ensure the normal operation of the enterprise's capital flow.

8. Dissolution: the mortgage registration is cancelled and the guarantee relationship with the bank and enterprise is cancelled by the bank repayment form of the enterprise.

9. Record: Record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, and provide credit records for subsequent guarantees.

10. Archive.

legal ground

Article 9 of the General Principles of Loans: Credit loans, secured loans and bill discounting:

Credit loan refers to the loan issued by the borrower's credit.

Secured loans refer to secured loans, mortgage loans,

Secured loan refers to the commitment made by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC) when the borrower fails to repay the loan. Loans issued with general guarantee liability or joint liability as agreed.

Mortgage loan refers to the loan issued by the borrower or the third party's property as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC) (China).

, refers to the loan pledged by the movable property or rights of the borrower or the third party according to the Guarantee Law of People's Republic of China (PRC).

Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial draft.

Bank loan guarantee process

Under normal circumstances, the loan guarantee process includes: 1, application: the enterprise applies for loan guarantee. 2. Inspection: check the operation, financial status, mortgaged assets, tax payment, credit status and business owners of the enterprise, and initially determine whether to guarantee. 3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank. 4. Guarantee: Sign legal procedures such as guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises. 5. Loans: Banks issue loans to enterprises on the basis of reviewing the guarantees, and at the same time charge guarantee fees to enterprises. 6. Tracking: tracking the loan usage and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease. 7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repaying the loan in advance and ensure the normal operation of the enterprise's capital flow. 8. Dissolution: Cancellation of mortgage registration, and dissolution of guarantee relationship with banks and enterprises with the enterprise's bank repayment form. 9. Record: Record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, and provide credit records for subsequent guarantees. 10. Filing: sorting, filing and sealing various agreements signed with banks and enterprises, as well as vouchers after loan repayment and vouchers for cancellation of guarantee, for future reference.