Scope 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%.

Extended data:

Apply for submission of information

(1) When the borrower applies for the maximum mortgage loan for individual housing with newly purchased housing or unsecured self-owned housing as the maximum mortgage, it shall provide; Identification materials; Proof of solvency; Down payment invoice; In the "application for individual housing loan", the application for maximum mortgage loan for individual housing is put forward. ?

(2) If the original mortgage loan in China Construction Bank is converted into the maximum mortgage loan for individual housing, the customer needs to fill in the Application Form for the Maximum Mortgage Loan for Individual Housing in China Construction Bank and provide the loan bank with proof of identity, marital status and solvency (if the above materials are already in the original loan application,

And there is no change when applying for the maximum mortgage loan, so it can no longer be provided); Certificate of house ownership; Mortgaged property * * * A statement that someone agrees to handle the maximum mortgage; The original loan contract of the original housing mortgage loan. ?

(3) If the original mortgage loan from other banks is converted into the maximum mortgage loan, the borrower needs to fill in the Application Form for the Maximum Mortgage Loan for Personal Housing of China Construction Bank and provide the lender with proof of the borrower's identity and marital status.

Proof of the borrower's solvency; Certificate of house ownership; Mortgaged property * * * A statement that someone agrees to handle the maximum mortgage; The original loan contract of the original housing mortgage loan; The repayment record of the original housing mortgage loan in the past year.

Baidu encyclopedia-mortgage loan