Mortgage loans can generally mortgage the following six items:

1, inventory mortgage. Refers to all kinds of goods as collateral, such as commodities and raw materials. ;

2. Securities mortgage. Take various securities as collateral, including bonds, stocks, certificates of deposit, bills of exchange, etc. ;

3. Equipment mortgage. Taking vehicles, ships and mechanical equipment as collateral;

4. Real estate mortgage. Take real estate, land, etc. As collateral;

5. Customer account mortgage. Collateral with accounts receivable;

6. Life insurance policy mortgage. Take the surrender amount of life insurance as collateral.

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. mortgage

Similarities between mortgage and pledge:

1. Mortgage loans and pledged loans refer to loans that borrowers obtain from banks with certain items as guarantees. Both are common forms of bank lending.

2. Mortgage and pledge belong to guarantee. Guarantee refers to the system that the law urges the debtor to perform his debts with the credit or specific property of the debtor or a third party in order to ensure the specific creditor to realize his creditor's rights.

The difference between pledge and mortgage

(1) provides different protection items. Mortgaged collateral is usually real estate (such as land and houses) and special movable property (cars and boats). ); Pledges are mainly movable property (such as certificates of deposit and bonds).

(2) Different forms of possession. 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. For example, I mortgaged my property, but it is still in my possession and custody. If I pledge the certificate of deposit, it will be possessed and kept by the creditor.

(3) The mortgage only has the simple guarantee effect, and the pledgee in the pledge not only controls the pledge, but also embodies the lien effect.

(4) Different disposal rights. If the debtor fails to repay the debt on schedule, the creditor has no direct right to dispose of the collateral, and needs to negotiate with the mortgagor or appeal to the court to complete the disposal of the collateral; However, the creditor may dispose of the pledge beyond the time stipulated in the contract without consultation or court judgment.

What is a mortgage loan and what property can be mortgaged?

Mortgage loan refers to a loan method adopted by banks in some countries, which requires borrowers to provide certain collateral as a guarantee for loans to ensure the repayment of loans at maturity.

There are actually many things that individuals can mortgage with bank mortgage loans. The items that individuals can mortgage mainly include the following:

First, the real estate license can be mortgaged to the bank, and it should not be surprising that the real estate is mortgaged to the bank. Many people generally mortgage their real estate licenses to banks and mortgage their real estate licenses to banks, so that people can get relatively high loans.

Second, you can mortgage the car to the bank. If people need to apply for a loan, they can also mortgage their cars to the bank. However, the amount of loans that people can get by mortgaging their cars from banks is not very high, because the value of cars is not very high and cars are depreciating every year.

Third, individual shops can be mortgaged. If people own personal stores, they can also mortgage them to banks.

What is a mortgage loan and what property can be mortgaged?

Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. It is a form of bank lending, and the collateral usually includes securities, China bonds, various stocks, real estate, 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.

A bank loan legally obtained by a borrower with his own property ownership as collateral is called a mortgage loan. The borrower takes a certain amount of collateral as an item to guarantee the loan obtained from the bank. 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.

What is a mortgage loan? What can I do as collateral?

Hello, personal mortgage loan refers to a loan that a customer applies to China Merchants Bank for buying another property with his existing property as collateral. According to the regulations of the regulatory authorities, the types of real estate currently purchased are limited to commercial housing, and it is not allowed to purchase houses with existing real estate as collateral.

China Merchants Bank accepts commercial houses and commercial houses with clear property rights and strong liquidity as collateral. And the following conditions must be met: 1. The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage loans do not accept collateral from different places. 2. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there is no adverse liquidation such as property right disputes. Personal mortgage loans do not accept company assets as collateral. 3. Strong mobility, complete real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction and property management. There are no disputes and problems, which are not within the scope of the government's planned demolition. 4. The appraised real estate whose present value is less than 654.38 million yuan (inclusive) is not accepted as collateral. 5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan/credit period plus the age of the house is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan/credit term plus the age of the house is not more than 30 years in principle. 6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral; 7. Other conditions stipulated by the bank.