Mortgage loan is a common way of borrowing. Many banks or loan companies have similar businesses. This kind of loan has high amount, low interest and low threshold. As long as there are qualified collateral, you can easily get a large loan. Many people don't know what mortgage is. Here are some inventory, you can refer to it.

Ordinary loan collateral

First, real estate mortgage

Simply put, real estate refers to items with economic value that cannot be moved.

Houses and other fixed objects on the ground;

Machines, means of transport and other property;

State-owned land use rights, houses and other fixed objects on the ground;

State-owned machinery, vehicles and other property;

Land use rights of barren hills, ditches, ridges, beaches and other wasteland contracted according to law and mortgaged with the consent of the employer;

Second, the chattel pledge

Pledge is also a common loan method now. The following are common chattel pledges.

Bills of exchange, checks and promissory notes;

Bonds and certificates of deposit;

Warehouse receipts and bills of lading;

Transferable fund shares and equity;

Property rights in transferable intellectual property rights such as the exclusive right to use registered trademarks, patents and copyrights;

Accounts receivable;

Other property rights that can be contributed according to laws and administrative regulations;

Third, credit mortgage

In fact, pure credit loans do not need to be mortgaged, which means that banks and financial institutions mainly give loans according to your reputation, so credit and qualifications are your collateral.

Four. guarantee

Generally qualified people can be guarantors.

A legal person with the ability to pay off debts by subrogation;

Other economic organizations or natural persons;

In addition to collateral, the borrower will be required to have a stable economic income and the ability to repay the principal and interest of the loan. Specific requirements shall be subject to the lending institution.

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

Mortgage loan refers to a loan method in which the borrower legally takes his own property ownership as collateral to obtain institutional or personal loans. The object of mortgage is valuable and easy to realize. Such as cars, houses, shops, equity, gold and so on. Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage loans with real estate generally need to be evaluated first, and after evaluation, the loan can reach 70% to 80% of the evaluation price.

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1. Have you seen the credit information of the mortgage loan?

Mortgage loans are also subject to credit investigation. Under normal circumstances, mortgage loan refers to bank loan, and applying for a loan in a bank often pays more attention to the applicant's credit information. If the user's credit information does not meet the requirements, even if the mortgage is provided, the loan application will not pass. Collateral is only a kind of guarantee, and credit information is a record of user credit.

2. How many years can the mortgage loan last?

The length of mortgage loan is related to collateral. Generally speaking:

① The loan term of real estate mortgage loan is relatively long, generally around 1-20 years, and you can apply for a real estate mortgage loan of up to 30 years;

② The service life of automobile mortgage is short, generally around 1-3 years, and the time for handling automobile mortgage is different for different financial institutions.

③ The loan term of some financial assets mortgage loans is short, such as national debt mortgage loans, and the longest loan term is 1 year or less than the maturity date of national debt.

3. How long can the mortgage loan be released?

The time of mortgage loan is related to the type of mortgage loan, the flow speed of bank funds and the amount of loan, which cannot be generalized. Usually, the lending time of bank mortgage loans is about 3 days after approval, and car mortgage loans will be released on the day of approval. Users can check the specific loan progress through online banking, mobile banking, bank customer service hotline, bank business outlets counters, etc.

4. Can the mortgaged property be transferred?

Depending on the bank, the mortgaged property is generally not transferable, but both parties can go to the bank to negotiate. If the bank agrees, both parties can go through the relevant formalities with the materials. If the bank doesn't agree, it won't work. You must repay the loan and cancel the mortgage before you can transfer the ownership.

5. What is the repayment method of mortgage loan?

There are several repayment methods of mortgage loans, among which the most important repayment methods are equal principal and interest repayment, average principal repayment and one-time principal and interest repayment. One-time repayment of principal and interest is mainly applicable to mortgage loans with a loan term of less than one year, and the interest generated by the average principal repayment method is less than that generated by the equal principal repayment method.

What mortgage can be used as collateral?

The following properties can be used as collateral for housing loans: 1. Real estate and other fixtures that the borrower has the right to control independently; If the house is jointly owned by * * *, after obtaining the consent certificate of * * *, the mortgage can be set according to the borrower's total share of property rights; If you buy an existing house, you can set the mortgage right with the property title certificate and insurance policy of the purchased property; If you buy an auction house, you can use the purchase contract to set the mortgage. 2. Various securities (including certificates of deposit) and other properties owned by borrowers or guarantors recognized by lenders. The following properties cannot be used as collateral: 1. Land ownership; Two, the ownership and use right of unknown or controversial property; Three, can not be enforced or processed; 4. The mortgage has been set; 5. Being sealed up, detained under supervision or taking other preservation measures or compulsory measures according to law; 6. Other properties that may not be mortgaged or pledged according to law. Article 9 of relevant laws and regulations Where real estate is used as collateral, the mortgagor and the mortgagee must sign a written mortgage contract and go through the mortgage registration formalities at the local real estate management department before lending money; When pledging, the pledgor and the pledgee must sign a written pledge contract. If the lender thinks notarization is necessary, the borrower shall go through the notarization formalities at the notary office. The notarization and registration fees shall be borne by the borrower. Article 11 The value of mortgaged real estate can be evaluated by the lender or its recognized real estate appraisal institution and confirmed by the mortgagee. The appraisal fee shall be borne by the borrower. Article 12 Where real estate is used as collateral, the borrower shall go through the insurance formalities at the insurance company according to the specified types of insurance before signing the loan contract, or the lender shall go through the relevant insurance formalities on his behalf; The insured amount shall not be less than the total loan principal and interest; The insurance period should be at least half a year longer than the borrowing tide; The insurance policy shall not contain any restrictive clauses that are detrimental to the rights and interests of the lender; All expenses required for insurance shall be borne by the borrower; During the mortgage period, the insurance policy shall be kept by the lender. Thirteenth real estate as collateral, its real estate license and insurance certificate shall be kept by the lender. The borrower must properly keep the mortgaged real estate during the mortgage period, be responsible for repairing, maintaining and ensuring its integrity, and accept the supervision and inspection of the lender at any time. Seventeenth mortgage or pledge parties should sign a mortgage contract or pledge contract, and attach a list of collateral or pledge. The mortgage contract shall come into effect from the date of registration, and the pledge contract shall come into effect when the pledge is delivered to the pledgee, and shall be terminated when the borrower pays off all the loan principal and interest. After the mortgage or pledge is released, the lender returns the mortgage or pledge to the borrower. Article 18 On the basis of the mortgage or pledge guarantee provided by the borrower, the individual housing secured loan must be provided with an irrevocable full and effective guarantee by a third party recognized by the lender. If the guarantor is a legal person, he must have the ability to repay all the principal and interest of the loan and open an account in China Industrial and Commercial Bank. In general, the guarantor should be the borrower's unit; If the guarantor is a natural person, he shall have a fixed source of income and sufficient compensation capacity, and must deposit a certain amount of money in the loan bank.