1. Can small-amount loans preserve high-value assets? For example, for a bank loan of 400,000, it can...

Yes, but you need to provide other funds suitable for the debt Or items to repay

2. In a traffic accident, the other party saved my vehicle, but my vehicle was loaned, can it be auctioned?

The loan vehicle can be seized and preserved; if the person with the compensation obligation fails to perform the compensation obligation in a timely manner according to the time limit stipulated in the judgment, the people can auction the vehicle at the request of the execution applicant, and the proceeds will be deducted from the auction and other execution After expenses, the bank loan should be repaid first, and the remaining balance should be handed over to the execution applicant. If there is any excess, it should be returned to the person subject to execution.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning People's Implementation of Work (Trial)

Article 39. The value of the seized or seized property shall be equivalent to the value of the debtor's performance of the debt.

Article 40. The people may take measures to seal up or detain property owned by the person subject to execution that others have rights of mortgage, pledge or lien. The proceeds from the auction or sale of the property shall be given priority to the mortgagee, pledgee or lien holder, and the balance shall be used to pay off the creditor's rights of the person applying for execution.

3. If you want to get a loan of RMB 400,000 from a bank, what conditions must you meet? What are the requirements?

Required conditions for borrowers

1. Natural persons aged 18-60 years old (Hong Kong, Macao, Taiwan, Mainland China and foreign nationals are also acceptable)

2. Have stable Occupation, stable income, and the ability to repay the principal and interest of the loan on time

3. The borrower’s actual age plus the loan application period should not exceed 70 years old

Materials the borrower should provide

1. Identity cards and household registers of both spouses/temporary residence permit and household register for foreigners

2. 2 copies of marriage certificate/divorce certificate or judgment/certificate of single status

3 , Proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including academic certificate, other real estate, bank Statements, certificates of deposit, etc.

6. If the borrower is a corporate legal person, it must also provide an annual inspection business license, tax registration certificate, organization code certificate, corporate articles of association, and financial statements.

Extended information:

According to the "General Rules of Loans":

Article 18 Rights of the borrower:

1. Able to be independent Apply for a loan from the sponsoring bank or other bank's agency and obtain the loan according to the conditions;

2. The right to withdraw and use the entire loan as agreed in the contract;

3. The right to refuse Additional conditions beyond the loan contract;

4. The right to report and report relevant situations to the lender’s superiors and the People’s Bank of China;

5. With the consent of the lender, The right to transfer the debt to a third party.

Article 19 Obligations of the Borrower:

1. The information required by the lender shall be truthfully provided (except those that cannot be provided by law), and all account opening documents shall be truthfully provided to the lender. Bank, account number and deposit and loan balances, and cooperate with the lender’s investigation, review and inspection;

2. Should accept the lender’s supervision of its use of credit funds and related production operations and financial activities;

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3. The loan should be used according to the purpose stipulated in the loan contract;

4. The principal and interest of the loan should be paid off in a timely manner as stipulated in the loan contract; 5. All or part of the debt should be transferred If it is given to a third party, the lender's consent must be obtained;

6. When there is a situation that endangers the security of the lender's creditor's rights, the lender must be notified in a timely manner and preservation measures must be taken at the same time.

Article 20 Restrictions on Borrowers:

1. No loan may be obtained from two or more branches of the same level within the same jurisdiction of one lender.

2. Balance sheets, profit and loss statements, etc. that are false or conceal important facts are not allowed to be provided to lenders.

3. Loans are not allowed to be used for equity investments, unless otherwise stipulated by the state.

4. Loans are not allowed to be used for speculation in securities, futures, etc.

5. Except for borrowers who have obtained the qualification to operate real estate in accordance with the law, no loans may be used to engage in real estate business; borrowers who have obtained the qualifications to operate real estate in accordance with the law may not use loans to engage in real estate speculation.

6. Loans are not allowed to be used to obtain illegal income.

7. Loans shall not be used in violation of national foreign exchange control regulations.

8. Do not use fraudulent means to obtain loans.