How to issue personal ship mortgage loan of Bank of China in Anhui?

Anhui individual ship mortgage loan issuance:

1. After the loan is approved, the handling bank and the customer sign the Personal Loan Contract (version 20 15), Personal Loan Mortgage Contract (version 20 15) and Personal Loan Guarantee Contract (version 20 15) in person to complete the mortgage registration.

2. Management and payment of recoverable personal ship loan amount.

(1) Prerequisites for signing the agreement and reviewing the line.

After the approval of the revolving personal ship loan line, the handling bank shall seriously implement the approval conditions, including signing the Personal Revolving Loan Line Agreement (version 20 15), the Personal Revolving Loan Maximum Mortgage Contract (version 20 15) and the Personal Revolving Loan Maximum Guarantee Contract (version 20 15) with customers.

The handling bank shall implement the preconditions of the loan amount according to the business approval or the approval opinions of the approver, and report the materials to the central loan review group for review.

The starting date is the business approval date of the provincial branch or the date when the approver signs the approval opinions in the system. If the mortgage registration, signing the line agreement and other related procedures are not completed within 6 months (including 6 months), the loan needs to be re-submitted to the provincial branch for approval.

When making a single payment under the reusable personal ship loan line, the handling bank should fill in the On-site Checklist of Collateral (if the loan line is less than half a year since the loan line was approved or the last loan time is more than half a year, it is not necessary to fill in it), and the customer should fill in the Application Form for Personal Revolving Loan Line and sign the Personal Mortgage Revolving Loan Contract (20 15 Version) and the IOU with the customer. For details, please refer to the business processes related to personal business loans.

(2) Freezing, unfreezing and early settlement of the reusable personal ship loan line (the loan term exceeds 1 year and the borrower's repayment time has exceeded 1 year, and liquidated in advance without penalty) shall be handled with reference to the relevant business processes of personal business loans.

3. For a single boat loan exceeding RMB 500,000, the relevant loan and guarantee contract shall be agreed according to the purposes agreed in the loan contract, and the Interim Measures for the Management of Working Capital Loans and the Interim Measures for the Management of Fixed Assets Loans shall be observed accordingly, so as to fully implement and reflect the relevant regulatory requirements.

The above contents are for your reference. Please refer to the actual business regulations.

What is the purpose of China Bank's Anhui personal ship mortgage loan?

Personal ship mortgage loans can be used in the following aspects:

1. Buy a first-hand ship: buy a new ship built by a shipbuilding company, which has passed the acceptance and obtained relevant temporary certificates, and is fully functional and can be put into use. The borrower raises part of the funds by itself, and applies to our bank for a loan to pay for Stern.

2. Purchase of second-hand ships: To purchase ships that have been registered in the maritime department, can be completely disposed of by the shipowner and can be traded and transferred normally in the second-hand market, the borrower will raise some funds by himself, and apply for loans from our bank to pay the balance;

3. Building a new ship: the borrower (shipowner) signs a shipbuilding agreement with the shipbuilding company and entrusts the shipbuilding company to build an unfinished or completed ship. The borrower raises part of the funds by himself, and applies for a loan from our bank for the insufficient part to pay the costs and expenses incurred in shipbuilding, such as shipbuilding processing fees, materials fees, equipment fees, etc.

To build a new ship, a construction license issued by the administrative department has been obtained, and one of the following conditions shall be met:

(1) The project progress or investment has reached or exceeded 40%;

(2) Self-raised funds shall not be less than 40% of the total investment, which shall be deposited in our bank and promised to accept our supervision.

4. Ship operating turnover rate:

The loan is used for the operation and turnover of the ship (including the ship under the personal name of the borrower and his wife, the ship under the name of the company with the borrower as the major shareholder, the borrower is not the major shareholder or controlling shareholder of the company, but the borrower is the ship's actual owner and operator), and mainly includes: paying the oil fee, customs declaration fee, maintenance fee, equipment renovation fee, personnel salary and other ship operating expenses, prepaid funds on behalf of customers, and capital requirements for buying and selling goods.

The operating expenses of the ship can be reasonably calculated according to the actual operating conditions, and the maximum shall not exceed the sum of the four-month operating expenses of the ship owned by the borrower; A valid transportation contract should be provided for the advance payment of funds on behalf of customers, and the contract should have relevant provisions for advance payment of funds; Those engaged in commodity sales should provide valid commercial contracts and other materials.

5. Other provisions on loan purposes:

Borrowers are allowed to use other channels for legal financing (including but not limited to borrowing from affiliated shipping companies or company controllers, borrowing from relatives and friends, financing from other channels, etc.). ) When buying ships (including first-hand and second-hand) and building new ships, it will be used to pay for the shortage of its own funds, and after our loan is approved, it will be replaced by our loan.

For borrowers who used other financing channels in the early stage and now use our loan for replacement, the loan period should meet the following conditions: (1) Build a new boat: in principle, the loan application date (the borrower's personal credit date) should not exceed 9 months; (2) Buying and selling ships (including first-hand and second-hand): In principle, the loan application date (the borrower's personal credit inquiry date) shall not exceed 6 months. If the deadline is exceeded due to special circumstances, a reasonable explanation must be provided and sealed by the secondary branch.

The above contents are for your reference. Please refer to the actual business regulations.

What are the handling materials of China Bank's Anhui personal ship mortgage loan?

China Bank Anhui Personal Ship Mortgage Loan Handling Materials:

1, application form.

2. ID card, household registration book or valid residence certificate and marital status certificate of the borrower and spouse.

3. Proof of repayment ability such as personal income or personal assets (including but not limited to bank passbook, proof of family property such as real estate purchased by ship transportation income, or transportation contract, or income certificate issued by the shipping management company, etc.). ).

4. In case of third-party guarantee, provide the identity certificate of the guarantor (the natural person provides the ID card and income certificate, and the unit provides the annual business license), and the commitment letter issued by the relevant guarantee company or shipping company or natural person agreeing to undertake joint and several liability guarantee, with the content of the commitment letter indicating the amount and duration of the guarantee; Where the company's guarantee is involved, a resolution of the board of directors or shareholders' meeting that the company agrees to guarantee shall be issued.

5. Information on loan purposes (including but not limited to): ship sales contracts (including second-hand ships) or commissioned processing contracts or ship construction contracts or ship purchase invoices, etc. Purchase contract or sales contract, and other supporting materials that can prove the authenticity of the loan purpose.

Loans are used to repay debts (including private loans or loans from other financial institutions) arising from the purchase of ships. ), and the borrower should provide IOUs or bank IOUs.

Loans used for business turnover mainly include: payment of ship operating expenses such as oil fees, customs clearance fees, maintenance fees, personnel salaries, advance funds on behalf of customers, and capital requirements for selling goods. Ship operating expenses can be reasonably calculated according to the actual operating conditions; A valid transportation contract should be provided for the advance payment of funds on behalf of customers, and the contract should have relevant provisions for advance payment of funds; Engaged in the sale of commodities and goods, it shall provide legal and effective business qualification materials (the business scope of affiliated companies includes commodities, goods sales or individual ship business licenses and other related business qualification materials).

6. Proof of self-financing materials: the receipt or invoice of the shipbuilding enterprise or the original shipowner, the bank deposit certificate of the ship to be purchased in China or the bank deposit certificate paid by the ship seller in China, and other proof materials that can prove self-financing.

7. Ship ownership registration certificate, ship inspection certificate book, business transportation certificate, nationality certificate, real-life photos of the mortgaged ship, and mortgage statement that someone agrees to mortgage the property.

8. The affiliated ship management company shall provide the annual business license and the power of attorney signed with the borrower.

Business contract (or joint venture agreement), water transport license, articles of association, capital verification report, financial statements of the previous year and the latest period.

If there is a loan card, it should provide a loan card and inquire about the loan situation, and report the inquiry results.

Ships carrying dangerous goods must also provide certificates of fitness for dangerous goods issued by ship inspection agencies recognized by the maritime administrative agency according to law; Engineering ships such as sand suction ships (pumps) shall provide relevant certification materials for legal operation.

9. Appraisal report on the value of the mortgaged ship.

10. Other information required by the lender.

The above contents are for your reference. Please refer to the actual business regulations.

What are the requirements for personal ship mortgage loan of Bank of China in Anhui?

Conditions for handling personal ship mortgage loan in Anhui:

1. Basic conditions of the borrower The borrower shall be a citizen of People's Republic of China (PRC) with full capacity for civil conduct, with good credit standing, willingness and ability to repay, certain working experience (in principle, working time shall not be less than 3 years), and comply with the Interim Measures for the Administration of Personal Loans and other laws, regulations and regulatory provisions.

2. Borrower's qualification (i.e. mortgage ship ownership agreement):

(1) The ownership of the ship is registered in the name of the applicant or his spouse, and the applicant is accepted to apply for personal ship loan from our bank.

(2) The ownership is registered in the name of a partnership consisting of a limited liability company, a joint stock limited company and a natural person. The enterprise is the actual owner of the ship (the relevant procedures for building a new ship and purchasing a second-hand ship are handled in the name of the company), and the repayment comes from the company's operating income. It accepts the mortgage of the ship and applies to our bank for personal ship loans in its own name. However, the following conditions must be met at the same time: the borrower should be the main/controlling shareholder of a limited liability company/joint stock limited company, or a partner of a partnership enterprise, and the enterprise should be a shipping operation enterprise; The enterprise issues a resolution of the shareholders' meeting agreeing to mortgage (specifically issued by the authority stipulated in the articles of association) and goes through legal and effective mortgage registration procedures; Enterprises must be jointly and severally liable for the guarantee; The total amount of credit granted by the borrower shall comply with the relevant provisions of our personal business loan.

(3) Ship ownership is registered in the names of multiple natural persons (two or more, sole proprietorship enterprises and individual industrial and commercial households are regarded as natural persons, the same below), and one of the major shipowners who owns at least 40% of the ship property rights is accepted to apply for personal ship loans from the bank.

(4) The ownership of the ship is registered in the names of natural persons and shipping companies (which must be funded by natural persons), and the borrower should own the largest property right among them or be one of the major shareholders of the ship, with the property right not less than 40%.

(5) The ownership of the ship is registered in the name of the shipping company, but the actual owner and operator of the ship are individual shipowners (including company shareholders and non-company shareholders, and the repayment comes from the operating income of the own ship), and the actual owner is accepted to apply for personal ship loans from our bank. However, the following conditions must be met at the same time: it can provide exact evidence that the ship is owned by the borrower, including but not limited to one or more of the following: the shipping company issued a declaration of property rights, which was notarized by a notary office; It can provide the approval for the commencement of the ship, the ship identification number and other evidence that can prove that the ship was really built and owned by the borrower when the ship was built; Other materials that can clearly prove that the borrower owns the ship. The shipping company shall issue a resolution of the shareholders' meeting agreeing to mortgage (specifically according to the authority stipulated in the articles of association) and go through the legal and effective mortgage registration procedures. The shipping company must bear the joint and several liability for the guarantee. The ship must be self-operated by the actual owner, and at least two people (account manager, business audit or other business personnel) from the business initiating bank board the ship to verify the actual operator.

(6) The ownership of the ship is registered in the name of the shipping company, but the seller before the transfer (the buyer after the transfer, that is, the borrower) is the actual owner of the ship, and the ship belongs to the shipping company before and after the sale (or operates in the form of bareboat charter), so there is no need to change the ship registration for ship transactions. It is necessary to provide the exact information that the seller before the transfer and the buyer after the transfer are the actual owners of the ship specified in Item (5) of Article 7 of these Rules. The parties to a ship transaction may be non-corporate shareholders, or shareholders of a shipping company and unincorporated shareholders, but applications for ship loans for ship transactions between shareholders of the same shipping company or between shareholders of the company and the company are not accepted. If the ship is registered as * * * with property rights and needs to apply for a loan to purchase part of the registered property rights, it can be implemented with reference to the relevant provisions of this clause, but the maximum loan amount shall not exceed 70% of the transaction property rights value (and shall comply with the relevant provisions of these Detailed Rules on loan amount and mortgage rate, and the ship value shall be fully mortgaged).

3. Types of ships that can be mortgaged by our personal ship loan include all kinds of transport ships engaged in cargo transportation (including but not limited to oil tankers, bulk chemical carriers, container ships, canned bulk carriers, multi-purpose transport ships and other special transport ships (including new transport ships such as oil-gas dual-purpose ships)) and some engineering ships (currently only described as self-unloading sand ships (due to the issuing department, the types of such ships registered on relevant certificates are different, The ship type registered in the ship ownership registration certificate is dry cargo ship or general cargo ship, and the ship type registered in the ship inspection certificate book is self-unloading sand ship, and the product policy is implemented according to the engineering ship, the same below), deck cargo ship (the ship type registered in the ship ownership registration certificate is dry cargo ship or general cargo ship, and the ship type registered in the ship inspection certificate book is deck cargo ship), mud ship (the ship type registered in the ship ownership registration certificate is dry cargo ship or general cargo ship, and the ship type registered in the ship inspection certificate book). Cargo transport ships do not accept mortgages from foreign ships and ocean-going ships, barge carriers and other unpowered transport ships, as well as various yachts, passenger ships and mixed passenger and cargo ships.

The above contents are for your reference. Please refer to the actual business regulations.