1. Handling mortgage loan: providing assets with property rights and values, such as real estate and automobile products, as collateral for the loan, up to about 70% of the assessed value of the collateral. This requirement for credit reporting will be relatively small. As long as it is not too dark, it is possible to succeed. Remember to repay the loan on time after handling, otherwise the collateral may be disposed of.
2. Find someone to borrow * * *: If one person has insufficient credit information and limited repayment ability, two people will have greater repayment ability, less risk of borrowing money and higher success rate. In this form of borrowing money, it is necessary to choose a better qualified primary lender and another as a secondary lender. After the loan is successful, both parties have the obligation to repay the loan.
Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the difference lies in:
(1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;
(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights;
(3) if there is a maximum mortgage, it must exceed the maximum payment;
(4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.
area of application
It must be an enterprise or institution as a legal person that has been approved and registered by the administrative department for industry and commerce, and has gone through the formalities of tax registration and annual inspection as required; Products have a market, and production and operation are profitable. Do not misappropriate credit funds and abide by credit;
It has the ability to repay the principal and interest on schedule, and the original loan principal and interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the bank has been formulated; According to the Standard for Credit Rating of Banking Enterprises, in principle, the credit rating must be above A;
Basic account or general deposit account has been opened in the bank;
Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets;
The borrower's operating and financial systems are sound, and its main economic and financial indicators meet the requirements of the bank;
Projects applying for medium-and long-term loans must be approved by the competent department of the state, and the proportion of the owner's rights and interests of enterprises as legal persons in the total investment of new projects shall not be lower than the capital ratio of investment projects stipulated by the state.
The property as collateral must comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC), and the mortgagor must enjoy the ownership or disposal right of collateral according to law, and clearly express to the bank that he is willing to provide collateral for the debtor.
With real estate mortgage, the mortgage rate shall not exceed 70%; Mortgaged by means of transportation, general mechanical equipment and tools, the mortgage rate shall not exceed 60%; With special machinery and equipment and tools, intangible assets (including land use rights) and other property mortgage, the mortgage rate shall not exceed 50%.
Types of property that cannot be mortgaged.
The first category: properties with outstanding loans; Such a property is generally mortgaged or in a state of mortgage, and the bank already owns other rights of the property. In the process of mortgage, it cannot apply for a mortgage loan again.
Type 2: partially purchased public houses; This is a purchased public house, and it is impossible to provide a purchase contract or purchase agreement; The other is the central delivery room that cannot provide the listing certificate of the central delivery room.
The third category: affordable housing for less than five years; Refers to the management of relocated houses according to affordable housing or purely affordable housing. If it is less than five years, it is not allowed to go public, so it is impossible to make a mortgage loan.
Type 4: Small property houses without property right certificates. This kind of real estate can't be listed and traded, can't be mortgaged to the Construction Committee, and can't apply for mortgage consumer loans.