(2) The right to use construction land;

(3) The contracted management right of wasteland and other land obtained through bidding, auction and public consultation;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together. Property that can be mortgaged belongs to real estate. For movable property, the general way of setting pledge guarantee is otherwise stipulated in the property law.

According to the scope of collateral, it can be roughly divided into six categories:

(1) Inventory mortgage, also known as commodity mortgage, refers to the mortgage of various commodities held by employers and enterprises, including commodities, raw materials, products in process and finished products, and applies for loans from banks.

(2) Customer account mortgage refers to the short-term loan secured by accounts receivable;

(3) securities mortgage, with all kinds of securities such as stocks, bills of exchange,

Promissory notes, certificates of deposit, bonds, etc. Used as collateral for obtaining short-term loans;

(4) Equipment mortgage refers to mechanical equipment, vehicles, ships, etc. As a guarantee for obtaining regular loans from banks;

(5) Real estate mortgage, that is, the borrower provides land, houses and other real estate mortgages to obtain loans;

(six) mortgage of life insurance policy refers to the establishment of mortgage right on the claim of insurance money. It takes the surrender amount of life insurance contract as the limit, and the insurance policy as the mortgage to issue loans to the insured.

legal ground

People's Republic of China (PRC) Civil Code

Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.