Factories can mortgage loans to banks or loan companies. But the factory must also be in its own name or a legal person, otherwise the factory can't get a loan. In other words, he can't mortgage. You know, banks must have certain conditions to accept your mortgage. If you don't meet its conditions, then you can't get a loan.

1. What is a factory mortgage loan?

Factory mortgage loan, as its name implies, is a kind of loan applied to a bank or loan company with the factory of an enterprise or an individual as collateral. As early as 2006, Bank of China Wenzhou Branch launched a factory mortgage loan. According to the regulations of Wenzhou Branch of Bank of China, if an enterprise or individual workshop is used as collateral, the loan ratio can reach 60%, with a maximum loan of 654.38+million. Since then, major banks have also launched loans such as factory mortgage, such as factory mortgage of Agricultural Bank and land mortgage of Postal Bank.

Second, the factory mortgage loan process

1. The borrower shall consult the banks (Bank of China, Postal Savings Bank) or loan companies that have launched the factory mortgage loan;

2. The borrower submits the required materials and procedures to the bank to apply for a loan;

3. The bank sent a special person to the factory for field investigation;

4. Evaluate the value of the mortgaged factory building;

5. The borrower goes through the mortgage formalities for the factory building;

6. After the bank audit, it will call the borrower to go to the bank to sign a loan contract;

7. Banks issue loans.

If you have decided to mortgage your factory, you must prepare some materials, first of all, your business license, then the tax registration documents, the mortgaged property ownership documents, that is, the property ownership certificate, and then the borrower's ID card and or corporate shareholder's ID card, household registration book, marriage certificate and other identification materials. The financial statements of the last three months of the official seal of the enterprise, the running water materials of the bank, the factory value evaluation materials issued by the factory mortgage registration and evaluation agency, and other materials stipulated by the bank. When these materials are enough, the bank can apply for a mortgage loan for you. You should know that the loan is very risky. If you say that you can't and can't repay in the later period, it is recommended to make a small loan, which is convenient for you to repay and won't bring some problems to your reputation. It is impossible to say that your factory just disappeared.