Pledged loan refers to the loan issued by the lender with the movable property or rights of the borrower or a third party as collateral according to the pledge method stipulated in the Guarantee Law. Pledges include treasury bonds (unless otherwise stipulated by the state), national key construction bonds, financial bonds, AAA corporate bonds, savings certificates and other high-priced securities. The pledgor shall deliver the title certificate to the lender. The pledge contract shall take effect from the date of delivery of the certificate of rights. If the personal savings deposit certificate is pledged, the identity certificate of the bank where the account is opened and the proof of stopping payment shall be provided.

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Question 2: What does pledge loan mean? Is it different from mortgage? Mortgage is not carried out in the form of transferring the possession of collateral, and the mortgagor is still responsible for the custody of collateral;

Pledge has changed the form of possession of pledged property, and the pledgee has the responsibility to keep the pledged property.

Generally speaking, the mortgagor shall be responsible for the damage or value reduction of the collateral, and the pledgee shall be responsible for the damage or value reduction of the collateral.

The creditor has no direct right to dispose of the collateral, and needs to negotiate with the mortgagor or bring a lawsuit to the court to complete the disposal of the collateral; The creditor may dispose of the pledged property beyond the time stipulated in the contract without consultation or court judgment. Pledged loans are fast and have high interest, which requires home visits and notarization. Pledge mostly exists in the category of private lending, and mortgage is generally done in banks.

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Question 3: What is the amount of the pledged loan? At present, the loan amount can only reach about 6.5% of the house price ~ If there is any problem with the loan in Shanghai, you can add my friend ~ If you have any problem or need help, you can contact me ~ Just add my friend ~

Question 4: What does pledge loan mean? Five-point pledge is also called pledge, that is, the debtor or the third party transfers his movable property to the creditor for possession and takes the movable property as the guarantee of the creditor's right. When the debtor fails to perform the debt, the creditor has the right to be paid in priority for the sale price of the movable property according to law.

Pledged loan means that the borrower (debtor) transfers the movable property to the creditor and takes the movable property as the guarantee of the creditor's right. This kind of loan is a pledge loan.

Pledge characteristics

1. All security interests have the same characteristics-subordination, indivisibility and subrogation. 2. The objects of pledge are movable property and transferable rights, and real property cannot be pledged. Pledge is therefore divided into chattel pledge and right pledge. Money can also be pledged after designation: after the debtor or a third party designates its money in the form of special account, seal, deposit, etc. , it is handed over to the creditor for possession as a guarantee for the creditor's rights. When the debtor fails to perform the debt, the creditor can use the money to get the priority. 3. Pledge is a security interest that transfers the possession of pledged property, and pledge is based on the possession of the subject matter.

The difference between pledge and mortgage 1. Pledge is a kind of security interest. The biggest difference between mortgage and pledge is that mortgage does not transfer collateral, but pledge must transfer the possession of pledged goods, otherwise it is not pledge but mortgage. The second big difference is that pledge cannot pledge real estate (such as real estate), because the transfer of real estate is not possession, but registration. 2. Mortgage and pledge are two common ways of guarantee in economic activities. But in practice, people often confuse the two, for example, this is a pledge, but it is written as a mortgage in the contract. We should know that mortgage and pledge are two different ways of guarantee, and their legal consequences are different. So, what's the difference? (1) Mortgage refers to the real right that the debtor or the third party does not transfer the possession of its specific property and takes the property as the guarantee of creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount or give priority to paying the auction or sale price according to law. Property is called collateral, the debtor or the third party is called mortgagor, and the creditor is called mortgagee. Mortgage can be divided into two types: legal and agreed. Statutory, whether agreed or not, must comply with the provisions; If the law allows the parties to agree, it can be settled through consultation. The collateral must be the transferable property owned by the mortgagor, and anything prohibited by law or not enjoyed by the parties shall not be used as collateral. A written contract shall be signed for mortgage guarantee, and the contents of the contract shall also include the type and amount of the principal debt guaranteed, the time limit for the debtor to perform the debt, the name, quantity, location, ownership and mortgage scope of the collateral. The mortgage guarantee shall be registered according to law, and the mortgage contract shall take effect from the date of registration. The acceptance organ of mortgage registration is the real estate management organ, such as the land use right mortgage registration as the land management organ, and the transportation department registration as the ship and vehicle registration organ. (2) Pledge refers to the real right that the debtor or a third party gives his specific property to the creditor for possession as a guarantee for the creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount the property or auction or sell it, and give priority to compensation. Property is called pledge, the person who provides the property is called pledger, and the person who enjoys the pledge is called pledgee. A written contract shall be signed for the pledge guarantee, and the pledge contract shall take effect when the pledge or pledge is handed over to the pledgee, and the contents of the pledge contract are basically the same as those of the mortgage contract.

Question 5: What does bank mortgage mean? Just go to the bank with the real estate license and land certificate, and the account manager will give you a list to help you with the mortgage loan. It involves a series of procedures such as mortgage registration change of real estate license and land certificate.

Banks with different interest rates are different. Usually the annual interest rate is between 5.3% and 8%.

Question 6: What do you mean by protecting pledged loans? For example, according to the loan terms of the policy, after the life insurance policy takes effect for two years, the insured can apply for a loan from the insurer with the policy as collateral. This is the pledged loan of the insured.

I don't know if this is clear.

Question 7: What are the types of pledged loans? There are many kinds of pledge loans, such as inventory pledge loans. You can ask the customer service in Lingbang Jin Fu, and they will answer you seriously.

Question 8: What is a third-party supervised pledge loan? It means that the borrower pledges the eligible movable property to the bank, and the bank, the borrower and the third party sign a tripartite agreement to entrust the third party to conduct daily supervision of the movable property during the pledge period to ensure the safety of the pledged property. Banks provide local and foreign currency credit support to borrowers, such as loans, discounts and bill acceptance.

Third parties refer to asset management companies, professional logistics companies and professional warehousing companies. , established in accordance with the law, with the qualification and ability to supervise the pledge of movable property.

Question 9: What is personal counter small pledge? 1, loan content

Personal small mortgage loan refers to a business that pledges unexpired certificates of deposit and treasury bills, obtains a certain amount of loans from savings institutions, and repays the principal and interest of the loans at maturity.

2. Loan objectives

Small mortgage loans are only provided to natural persons with China nationality and full capacity for civil conduct. As collateral, certificates of deposit are limited to unexpired lump-sum deposits and withdrawals, interest-bearing deposits, overseas Chinese RMB, residents' savings, large-value certificates of deposit in negotiable certificate of deposit and foreign currencies. Small-sum pledge loan for savings cannot be handled, such as lump-sum deposit and withdrawal. The national debt as collateral is limited to the certificate-based national debt issued after 1999.

3. Basic information of the borrower

① Open an account at the savings office (counter) of China Construction Bank Branch, and have a certain amount of regular savings deposits;

(2) Holding the unexpired time deposit certificate issued by the savings office (counter) of China Construction Bank Branch in my own name as pledge;

(3) Relevant provisions on pledge of national debt (please provide)

(4) Provide the borrower's own resident identity card;

⑤ Ensure the repayment of loan principal and interest on schedule.

4. Maximum loan amount and term.

Where multiple certificates of deposit are used for pledge, the term of small-sum pledged loans shall not exceed the maturity date of pledged certificates of deposit. The loan term shall be determined by the time closest to the maturity date, and the longest shall not exceed 1 year.

The starting point of small pledged loans is 65,438+0,000 yuan, and each loan does not exceed 80% of the face value of pledged certificates of deposit [foreign currency deposits are converted into RMB according to the buying price of foreign exchange (banknotes) announced on the same day], and the maximum loan amount does not exceed 65,438+0,000 yuan.

Question 10: What is a mortgage loan? Mortgage loan refers to the loan that the borrower obtains from the bank with a certain amount of collateral as the guarantee. It is a loan form of capitalist banks, and the collateral usually includes securities, China bonds, various stocks, real estate, and bills of lading, warehouse receipts or other documents that prove the ownership of goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.