What can be used as collateral?

Many corporate properties can be used as collateral for mortgage loans. The specific summary is as follows: 1. First of all, of course, the corporate property Real estate and real estate, such as factories, land with title, etc. This type of real estate is also the most acceptable collateral for lenders. 2. Enterprise equipment, transportation, etc. For example, power equipment, working machines, scientific research instruments and other production equipment; means of transportation can be vehicles, transportation equipment, etc. 3. The current assets of the enterprise. For example, fuel, commodities, bills of lading, etc. 4. Enterprise’s securities. For example, securities such as treasury bills, financial bonds, bank cashier's checks, and company stocks owned by enterprises according to law. 5. Enterprise intangible assets. It mainly includes intangible assets such as copyright, trademark rights, and patent rights. This type of collateral is usually used more

What apps are good for mortgage loans?

WeChat Loan APP. Except for Bank of Communications and Bank of China, which rarely provide real estate mortgage bank loans, most other banks can provide mortgage loans, such as: China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Chongqing Rural Commercial Bank, Postal Savings Bank of China, etc. However, major banks have different requirements for real estate mortgage loans, execution interest rates, loan terms, etc. Therefore, when choosing a loan, you must consider the type of loan that is suitable for you, the repayment pressure, etc. Senmao Guarantee is an institution that directly cooperates with banks

1. Weidai.com

Wedai.com was launched in July 2011 and is one of the earlier online loan platforms in China. The platform's initial model was similar to Paipaidai (purely online credit loans). Later, it turned to chattel mortgage loans and expanded its service network through offline franchises. Last year, Weidai.com launched the "Hundred Stores in Five Years" plan, trying to open 100 offline outlets across the country by 2017. Currently, about 30 of this goal has been achieved.

2. Haochedai Chedai is an investment and financing financial service platform that provides mortgages, pledged loans and car loan financing services to car owners. The online platform was established in 2014. Although it is a young platform, the professional strength of Haochedai cannot be underestimated. In 2015, it received a capital injection of tens of millions of dollars from Shenzhen Qianhai Zhongda Xin Asset Management Co., Ltd., making it one of the top 100 brands in Internet finance. The current main products include Haochedai, Rongqi Express, Yinqi Express, Lease Bao, etc. The investment amount of Haoche loan projects is very small, so it is very suitable for small and medium-sized investors.

3. Wuyou Car Loan Wuyou Car Loan is an innovative Internet auto finance platform independently developed and operated on the basis of the original Qiancheng Wuyou Car Loan business. Relying on the "Internet Finance Auto" model, We are committed to building a standardized, safe, transparent and honest Internet financial information intermediary service platform to provide investors with low-risk, high-return investment products so that every penny creates value; and to provide low-cost, high-return services to those in need of funds. Efficient financing services make small loans no longer difficult.

What are the car mortgage loan platforms?

1.58 Car Loan APP: 58 Car Loan APP is a P2P lending platform for vehicle mortgage loans. 58 Car Loan adopts prudent and professional evaluation methods. With a unique comprehensive credit evaluation system and powerful risk control methods, the cumulative loan amount exceeded 50 million yuan and maintained a zero non-performing rate.

2. Chemiadai APP: Chemiadai APP is a car loan APP launched by Alibaba. The Chemiadai APP allows car buyers to submit loan applications online on their mobile phones and get the loan credit limit within half an hour.

3. First Auto Loan APP: First Auto Loan APP is a car loan APP developed by Shanghai Fengzhixing Auto Finance Co., Ltd. for users with loan needs who have been approved by its company and provide intermediary services. . Investors can invest through the mobile client and enjoy the fun of investment and financial management anytime and anywhere.

4. Bee BiChedai APP: Bee BiChedai is China's leading p2p lending platform, providing users with fast and high-quality financial services to help improve quality of life. Quick loan, save money and effort, customized, safe and reliable.

5. Yixin Car Loan APP: Yixin Car Loan mainly provides new car loans, second-hand car loans, car owner loans, car rental, car insurance and other products and services. In addition to cooperating with a number of financial institutions, it also It has Yixin Financial’s self-operated business and provides a wide range of auto finance products and services.

6. Cheyidai APP: Cheyidai focuses on car loans. For investors, the car loan business is a safe loan business with the characteristics of small amount, decentralization, mortgage, and quick realization. Through mature business model and perfect market

What mortgage loans does Ping An Bank offer? Both of these are great!

Ping An Bank is a relatively popular financial institution in China. It has many credit products, among which mortgage loans are of great concern to everyone, because as long as you have qualified collateral, you can easily obtain a loan. Quick disbursement, low interest, and long term. Today we will introduce it to see what mortgage loans Ping An Bank offers?

1. Mortgage products

There are two main mortgage products under Ping An, one is Zhaiyitong and the other is Fangyida:

1. Zhaiyitong is suitable for individuals or enterprises. It can be applied for with a business license or without a business license. Zhaiyitong has requirements for the length of the business license, which must be at least one year. If the business license is less than one year, the business license must be canceled and the salary model can be adopted. The maximum amount is 3 million and the loan period is 10 years. It is suitable for those who are under pressure to repay. wage class. The main features are low interest rates and long loan time.

2. Easy housing loan. It is required to have a business license and it must be for more than one year. The bank will conduct a physical inspection. It must have a formal business location and the term is 10 years. It is very suitable for small and medium-sized enterprises. It can adopt the method of repaying principal and interest. As long as the principal is repaid every year At 5%, self-employed individuals can get a loan of 5 million, and the maximum limit for a limited company is 20 million.

2. Mortgage loan application materials

It is necessary to provide the original and copy of the identity card of the individual or the couple, proof of marriage status, household registration book, real estate certificate, and business license copy. Three months' statements (Fangyidai needs to provide one year's statements, personal official seal and legal person's official seal), and a bank card or credit card.

3. Mortgage loan application process

1. Submit the application online, authorize personal information, fill in the loan information, and wait for preliminary review after submission.

2. The bank will arrange for a credit manager to contact you to communicate about the loan and agree on a time to go to the bank to handle the business.

3. Wait for the bank’s review. Once the results come out, you can go through the mortgage guarantee procedures and sign the contract.

4. Bank lending.

What are the types of mortgage loans? Mainly these three types!

Nowadays, banking financial institutions have many credit products. The most popular ones are credit loans, which are simple, convenient and have low threshold. However, for users with poor credit or those seeking large loans, mortgage loans Loans are often more suitable for them. So what are the categories of mortgages? Today I will introduce a few models, and qualified friends can learn about them.

1. Personal housing loan

Users who own a house tomorrow can choose this method to apply for a commercial housing loan from the bank. This is a self-operated loan issued by bank credit funds. Refers to natural persons with full capacity for civil conduct who, when purchasing self-occupied housing in cities and towns in this city, use the property they purchase as collateral.

The housing provident fund loan applied to the bank is an entrusted loan issued by the policy-based housing provident fund. It refers to the time when employees who have paid the housing provident fund purchase, build, renovate or overhaul their own houses in the cities and towns of this city. , with the property owned as collateral.

2. Enterprise Mortgage Loans

Enterprise mortgage loans are required to be targeted at various small and medium-sized enterprise customers registered with the industrial and commercial industry. The company has been registered and operated for more than 1 year, and the company's turnover is relatively recent. For those that require more than three million and have good operating conditions, the general mortgage loan period is between one and five years, and they often need to provide qualified mortgage collateral.

3. Trust mortgage loan

Mortgage trust loan means that the trustee accepts the entrustment of the trustor and uses the funds deposited by the trustor according to the objects, purposes and specified in the trust plan. The term, interest rate and amount of the loan are extended, and the financier uses real estate mortgage as a guarantee for the trust loan. Under normal circumstances, the annual rate is about 80% plus fees.

What items can be used as collateral for a mortgage loan?

Mortgage loans can generally pledge the following six types of items:

1. Inventory mortgage. It refers to using various goods as mortgage, such as commodities, raw materials, etc.;

2. Securities mortgage. Use various securities as collateral, including bonds, stocks, certificates of deposit, bills of exchange, etc.;

3. Equipment mortgage. Use vehicles, ships, machinery and equipment as mortgage;

4. Real estate mortgage. Use real estate, land, etc. as mortgage;

5. Customer account mortgage. Use accounts receivable as collateral;

6. Mortgage of life insurance policies. The surrender amount of the life insurance policy is used as collateral.

Mortgage loan, also known as "mortgage lending". Refers to a loan method used by banks in some countries. The borrower is required to provide certain collateral as a guarantee for the loan to ensure the repayment of the loan when it is due. Collateral is generally items that are easy to preserve, not easy to lose, and easy to sell, such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and use the auction proceeds to repay the loan. The balance of the loan paid off by the auction proceeds is returned to the borrower. If the auction proceeds are insufficient to pay off the loan, the borrower will continue to pay off the loan. Mortgage and pledge

The similarities between mortgage and pledge:

1. Mortgage loans refer to loans that borrowers obtain from banks with certain items as guarantee. Both are common forms of lending by banks.

2． Mortgage and pledge are both guarantees. Guarantee refers to a system in which the law uses the credit of the debtor or a third party or specific property to urge the debtor to perform its debts in order to ensure that a specific creditor realizes its creditor's rights.

The difference between pledge and mortgage

(1) The security items provided are different. Mortgage collateral is usually real estate (such as land, houses), special movable properties (cars, boats, etc.); pledges are mainly movable properties (such as deposit certificates, bonds).

(2) The shapes of the tubes are different. The mortgage does not transfer the possession and management form of the pledged property, and the mortgagor is still responsible for the custody of the pledged property; the pledge changes the possession and custody form of the pledged property, and the pledgee is responsible for the custody of the pledged property. For example: I mortgaged my property but the property remains in my possession and custody. If I pledge a deposit slip, the deposit slip is in the possession and custody of the creditor.

(3) The mortgage only has a pure guarantee effect, while in the pledge the pledgee not only controls the pledged property, but also has the effect of lien.

(4) Disposal rights are different. If the debtor is unable to repay the debt on time, the creditor has no direct right to dispose of the mortgaged property and needs to negotiate with the mortgagor or complete the disposal of the mortgaged property after a judgment through appeal; while the disposal of the pledged property does not require negotiation or judgment and exceeds the provisions of the contract. The creditor can then proceed with the disposal.