A, can be used as collateral, mainly in the following categories:
1, chattel pledge. Chattel pledge mainly includes: easy to realize, easy to preserve and keep, the ownership that the pledgor can transfer or transfer or the right to dispose of according to law;
2. Money mortgage. It is a specific currency mortgage in the form of deposit.
3. pledge of rights. Rights pledge mainly includes the following categories:
(1) Bills of exchange, promissory notes and certificates of deposit.
(2) Treasury bonds, financial bonds and corporate bonds.
(3) shares and stocks.
(4) Specific life insurance policies with cash value that can be pledged according to law.
(five) the right to exclusive use of trademarks, patent rights and property rights in copyright that can be transferred according to law.
(6) Other rights that can be pledged according to law.
Second, the conditions for the mortgage to take effect.
1. The real estate mortgage shall take effect from the date of registration. Chattel mortgage is self-mortgage, which takes effect when the contract takes effect. The entry into force of a mortgage contract means that a legally established mortgage contract is legally binding on the parties. Like the entry into force of a general contract, the entry into force of a mortgage contract must also have four elements: the subject is qualified, the intention is true, it does not violate the law or social public interests, and the target is certain and possible.
2. There are five kinds of mortgage contracts legally required to be registered and effective:
(1) If there is no land use right secured on the ground, the land management department that issued the land use right certificate shall handle the mortgage registration;
(2) Where buildings such as urban real estate or factories of township (town) or village enterprises are mortgaged, the mortgage registration shall be handled at the department designated by the local people's government at or above the county level;
(three) to forest mortgage, mortgage registration shall be handled at the competent forestry authorities at or above the county level;
(4) Where an aircraft, ship or vehicle is mortgaged, it shall go through the mortgage registration with the means of transport registration department;
(5) Where the equipment and other movable property of the enterprise are mortgaged, the mortgage registration shall be handled at the administrative department for industry and commerce where the property is located.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 440
The following rights that the debtor or a third party has the right to dispose of may be pledged:
(1) Bills of exchange, promissory notes and checks.
(2) Bonds and certificates of deposit.
(3) Warehouse receipts and bills of lading;
(4) Transferable fund shares and equity;
(5) Transferable intellectual property rights such as the exclusive right to use a registered trademark, patent right and copyright;
(6) Existing and future accounts receivable;
(7) Other property rights that can be pledged according to laws and administrative regulations.