Acceptance cannot be used as a mortgage loan, but it can be directly discounted, and discount interest needs to be paid. You can choose to vote.

Conditions:

1, must be approved and registered by the administrative department for industry and commerce, and go through the tax registration and annual inspection procedures in accordance with the regulations;

2. There is a market for products, and the production and operation are profitable. Do not misappropriate credit funds and abide by credit;

3 have 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;

4. If there is no repayment, a repayment plan approved by the bank has been formulated;

5. According to the Standard for Credit Rating of Banking Enterprises, in principle, the credit rating must be above Grade A;

6. basic account or general deposit account has been opened in the bank;

7. Unless otherwise stipulated by the State Council, the cumulative overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets;

8. The borrower's operating and financial systems are sound, and its main economic and financial indicators meet the requirements of the bank;

9. Projects applying for medium and long-term loans must be approved by the competent state department. The proportion of the owner's equity of an enterprise as a legal person to the total investment of a new project shall not be lower than the proportion of investment project capital as stipulated by the state.

Extended data:

Acceptance bill litigation

Functions of commercial acceptance bills: The application of commercial acceptance bills plays an important role in social and economic activities, which makes the negotiability of commercial credit and its manifestations standardized and scientific, and is conducive to strengthening macro-control and improving the functions of the bill market.

Function of bank acceptance bill: As the bank acceptance bill business is developed on the basis of bank settlement business, it is a bank credit activity based on real commodity trading, and it is the development and supplement of bank credit to commercial credit.

Therefore, in order to establish a unified national bill market, improve the socialist market economic system, enhance the service function of banks, expand the scope of credit activities of commercial banks, promote the sale of goods by seller enterprises and reduce the operating costs of buyer enterprises.

Have a positive effect. The role of bank acceptance bills in the national economy can make up for the lack of commercial credit, prevent the formation of "triangular debts" due to enterprises' default in payment, promote the circulation of goods and accelerate the circulation and turnover of social funds.