Do corporate loans require collateral?

1. Do corporate loans require mortgage guarantees?

Corporate loans do not require mortgage guarantees. You can apply for corporate credit loans. No collateral or guarantee is required.

"Civil Code"

Article 425: In order to guarantee the performance of a debt, the debtor or a third party pledges his movables to the creditor for possession, the debtor fails to perform the due In the event of a debt or the realization of the pledge as agreed by the parties, the creditor shall have the right to receive priority payment for the movable property.

The debtor or third party specified in the preceding paragraph shall be the pledger, the creditor shall be the pledgee, and the movable property delivered shall be the pledged property.

Article 394: In order to guarantee the performance of a debt, the debtor or a third party does not transfer the possession of the property and mortgages the property to the creditor, the debtor fails to perform the due debt or the fulfillment of the agreement between the parties occurs. In the case of a mortgage, the creditor has the right to receive priority payment on the property.

The debtor or third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property providing guarantee is the mortgaged property.

2. How to judge the invalidity of the mortgage guarantee contract

The mortgage guarantee contract is invalid under the following circumstances:

(1) The subject violates the law

The party concerned is A person without capacity or with limited capacity; the guarantor's qualifications are illegal; other situations stipulated by law.

(2) The object is illegal

Mortgage property is prohibited by law; mortgaged or pledged property is stolen property or lost property.

(3) The content is illegal

If the creditor uses fraud, coercion or takes advantage of someone's danger to make someone withhold the guarantee against their true intention, it will be invalid.

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 obtained from banks by borrowers using 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.

What kind of collateral does Bank of China’s BOC Enterprise E-loan mortgage loan support?

Types of collateral supported by Bank of China Enterprise E-loan mortgage loan:

Bank of China supports borrowing enterprises, actual controllers of enterprises, legal representatives, shareholders and spouses of the above-mentioned natural persons, natural persons and Houses, apartments, and villas owned by the spouse's parents and adult children with clear property rights, stable value, and easy realizability must meet the following conditions:

1. Commercial real estate with full property rights, no property rights disputes and no market Circulation restrictions.

2. In principle, the actual business address of the borrower is in the same province.

3. China Bank is the first mortgagee.

4. The apartment must be a residential apartment, not a business apartment or a serviced apartment.

5. Other collateral access conditions required by Bank of China.

The above content is for your reference, please refer to actual business regulations.

What are the corporate mortgage loans? These are the main ones!

There are many small and medium-sized enterprises in China, but many of them are family-owned or lack a complete governance structure, resulting in a lack of standardization of fund management and an imperfect financial system. Various reasons prevent enterprises from obtaining financing loans. . Now you need to provide sufficient collateral to apply for a bank business loan, which mainly includes the following.

1. Personal operating loans

Mortgage the property of a legal person, shareholder or third party (residence, shop, office building, etc.) as collateral to apply for a loan from the bank. The purpose is generally as Corporate working capital and general loan liabilities are included in the personal name and are not included in corporate liabilities.

Loan period: 1-20 years;

Loan amount: 70% of the highest real estate appraisal price for commercial housing, 60% for shops, office buildings, villas, etc., generally controlled by the total bank quota Within 10 million, a few banks can apply for more than 30 million.

Loan annual interest: This year’s policy, if the overall situation is good, you can apply for a bank loan with a term of more than 5 years (the current benchmark interest is already lower than the benchmark); the interest range of most common banks is 5%~8%;

Relevant application requirements: Generally, you only need to have a company operating normally to apply. There is no big limit on the establishment time, but the better the conditions, the lower the interest, and the more flexible the repayment method.

2. Enterprise mortgage loan

Apply for a loan from a bank using real estate (residences, shops, office buildings, factories, etc.) in the name of the company or legal persons, shareholders, or third parties as collateral. , the purpose of the loan is for business operations, and it needs to be included in the loan card, that is, the company's liabilities.

Loan period: 1-20 years

Loan amount: 70% of the appraised price for commercial housing, 60% for shops, office buildings, villas, etc., and 70% of the appraised price for factories. 50%; some banks can exceed the 30 million limit.

Annual interest on loans, other types of loans

Such as equipment financing lease, receivables pledge, etc.

What are the collaterals for corporate loans?

What are the collaterals that companies can use for loans?

Many corporate properties can be used as collateral for collateral. Loans can be summarized as follows:

1. First of all, of course, it is the company's real estate and real estate, such as factories, land with property rights, etc. This type of real estate is also the most acceptable collateral for lenders.

2. Enterprise equipment, means of 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 company’s current assets. 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.

Mainly including copyrights, trademarks, patents and other intangible assets, this type of collateral is usually used more

What types of corporate loans are there?

Enterprise loan refers to a method of borrowing money from banks or other financial institutions according to prescribed interest rates and terms for the needs of production and operation. Corporate loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technological transformation. At present, corporate loans can be divided into: working capital loans, fixed asset loans, credit loans, secured loans, stocks, foreign exchange, single time deposit certificates, gold, syndicated loans, bank acceptance bills, bank acceptance bill discounts, commercial acceptance bill discounts, buyer's Or discounting of interest-paying bills by agreement, domestic factoring with recourse, and export tax rebate account custody loans.

What is the interest rate for business loans, and what are the current requirements for business mortgage loans?

Hello, the prerequisite for a corporate loan from our bank is to open a corporate settlement account with our bank, and a certain amount of collateral needs to be provided. The collateral can be the property of the legal representative or shareholder, or the property in the name of the company. Plant, equipment, etc. Some branches of our bank carry out special businesses. If you see/receive similar promotional information, please contact the local branch or sub-branch account manager for details. The nominal loan amount of the company is generally more than 5 million yuan; if the loan demand is more than 5 million yuan, If the amount is less than RMB 10,000, personal operating loans or small and micro enterprise loans may be considered.

The latest People's Bank of China loan interest rate is now announced on our bank's website. The corporate loan interest rate is floating on this basis (the floating range is 0.9 to 1.7). Please (ctrlc) open the following website to view: cmbchina/ ...cdrate

(If you have other questions, it is recommended that you consult "Online Customer Service" forum.cmbchina/...ncmu=0. Thank you for your attention and support!)

1. Long loan term

Fixed asset reproduction activities, compared with the production activities of general products, have the characteristics of large size and long production cycle , so the loan period of fixed asset loans is also longer than general short-term loans.

2. Dual planning

Fixed asset loan projects must not only be included in the national fixed asset investment plan and meet the construction conditions, but also must be fixed asset loans determined by the credit plan Scale constraints.

3. Management continuity

General supervision and management of working capital loans are limited to the production or circulation process, while fixed asset loans not only need to be managed during the construction process, but also after the project is completed and put into production. It needs to be managed until the entire principal and interest is paid off.

What kinds of chattel mortgage loans can be used as collateral for enterprises?

1. Special movable properties such as aircraft, ships, and automobiles. The particularity of this type of movable property is that its ownership status is determined by registration, and its transactions must also be registered for transfer. Therefore, some people call it quasi-real estate, or registered real estate. Compulsory registration of this type of movable property is a need for the state to carry out administrative management of those movable properties with high liquidity and large value. For it, just like real estate, the publicity effect of mortgage can be achieved through registration.

2. Enterprise machinery and equipment, agricultural equipment, and livestock. This type of movable property is necessary for enterprises or farmers to produce, and can only be secured by mortgage. Therefore, I think a special registration system and registration authority should be established for this type of movable property. It should be said that carrying out special mortgage registration for this kind of movable property and stipulating the inquiry obligations of third parties will make it easier for third parties to control it. Moreover, the liquidity of these types of movable assets is small, and the adoption of a registration system will not have a great impact on the smoothness of transactions. However, it should be noted that the livestock that can be mortgaged should be limited to productive livestock, and mortgages should not be allowed for unproductive livestock such as sheep, pigs, chickens, and ducks.

3. The company’s products, materials and other movable assets. Due to the relatively high liquidity of this type of movable property, allowing the establishment of a mortgage is obviously detrimental to the protection of the interests of the mortgagee and third parties. The adoption of a registration system, which stipulates the third party's inquiry obligations, will inevitably affect the normal conduct of transactions. Therefore, such movables should not be allowed to be mortgaged separately, but floating charges can be established together with other properties of the enterprise.

The above are some regulations on chattel mortgage loans. I hope they will be helpful to you

What information is required for corporate loan guarantees

You are the borrower Is it the information that the company as the guarantor needs to provide or the company that serves as the guarantor? 1. Information required by the borrower: 1. Copy of original business license (annual inspection mark required) 2. Organization code certificate 3. Tax registration certificate 4. Account opening license 5. Loan card 6. Articles of Association or partnership agreement 7. Recent Two-year-end statements and recent statements 8. ID card and certificate of the legal representative, ID card of each director 9. Capital verification report 2. Information provided by the guarantor 1. Business license 2. Articles of Association or partnership agreement, capital verification report 3. Organization code certificate 4. Loan card 5. Statements of the past two years and recent statements 6. Identity card of the legal representative, ID card of the director 7. Proof of property rights of the mortgaged property

What can be mortgaged by a company or enterprise if it wants a loan, such as business rights, Ownership is still

If a company or enterprise wants to borrow money, it can mortgage properties, equipment, vehicles, products, etc. In short, as long as it has its own ownership and has no external mortgage.

You can also mortgage equity loans.

In addition, if there is really no collateral, you can also find a third party to guarantee the mortgage loan, that is, use the assets of a third party to mortgage the loan. Of course, you must negotiate with the third party.

What are the best loan companies for home mortgages? Looking for answers from industry insiders? Thank you

Xinghong Financial Loan Company. It is very famous in Beijing. It can provide housing mortgage loans in 160 cities across the country. It has a wide range of loans, fast disbursement and relatively simple process.

What are the home mortgage loan companies? Mainly want to be an agent with 100 points

The requirements for applying for real estate mortgage loans may be different. The requirements of banks in different regions may be different. The specific application conditions of the local bank shall prevail.

Real estate mortgage loans Conditions:

1. A natural person aged 18-65;

2. Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on schedule;

3. No illegal behavior;

4. Good credit report, bad credit record;

5. Able to provide effective rights pledge guarantee recognized by the bank or be able to provide legal and effective The property is used as a mortgage guarantee or a third-party guarantee with the ability to compensate;

6. Open a bank personal settlement account and agree to the bank deducting the principal and interest of the loan from its designated personal settlement account;

7. The property rights of the house are clear and meet the conditions for listing and trading stipulated by the state;

8. The property can be circulated in the real estate market without any other mortgage;

9. The sum of the age of the house and the loan application period cannot exceed 40 years;

10. The mortgaged house is not included in the local urban renewal plan, and has a real estate certificate and land certificate issued by the real estate department and the land management department;< /p>

11. Other conditions specified by the bank.

What are the loan channels for small and medium-sized enterprises in China?

In general, small and medium-sized enterprise loans are divided into mortgage loans and. There are several ways to subdivide:

Method 1 of small and medium-sized enterprise loans. Comprehensive credit

That is, granting a certain amount of money within a certain period to some enterprises with good operating conditions and reliable credit. The credit line can be recycled by the enterprise within the validity period and the credit limit. For a comprehensive credit limit, the enterprise shall declare relevant materials in one go and the bank shall approve it in one go. Enterprises can use the funds in installments according to their own operating conditions and borrow and repay them at any time. It is very convenient for enterprises to borrow money and it also saves loan costs. Banks provide loans in this way, generally to enterprises that have industrial and commercial registration, passed annual inspections, have good management, reliable reputation, and have a long-term cooperative relationship with banks.

Small and medium-sized enterprise loan method 2, credit guarantee loan

Currently, more than 100 cities in 31 provinces and cities across the country have established credit guarantee institutions for small and medium-sized enterprises. Most of these institutions implement membership management and are public service, industry self-disciplined, and non-profit organizations. The source of the guarantee fund is generally composed of local financial allocations, member funds voluntarily paid by members, funds raised from the society, and funds from commercial banks. When member companies borrow money from banks, they can be guaranteed by small and medium-sized enterprise guarantee institutions. In addition, small and medium-sized enterprises can also seek guarantee services from guarantee companies that specialize in intermediary services.

When enterprises cannot provide guarantee measures acceptable to banks, such as mortgages, pledges or third-party credit guarantors, guarantee companies can solve these problems. Because guarantee companies have more flexible collateral requirements than banks. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures. Sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

Small and medium-sized enterprise loan method three, project development loan

If some high-tech small and medium-sized enterprises have scientific and technological achievement transformation projects of great value, the initial investment amount is relatively large, and it is difficult for the enterprise's own capital to If you can afford it, you can apply for a project development loan from the bank. Commercial banks will provide active credit support to small and medium-sized enterprises that have high-tech products or patented projects with mature technologies and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relationships with universities and scientific research institutions or have their own research departments, banks can also provide project development loans in addition to working capital loans.

Method 4 for small and medium-sized enterprise loans, natural person guaranteed loans

In August 2002, the Industrial and Commercial Bank of China took the lead in launching the natural person guaranteed loan business. From now on, ICBC’s domestic institutions will handle small and medium-sized enterprises. When providing credit business with a term of less than 3 years, a natural person can provide property guarantee and bear reimbursement liability. Natural person guarantees can take the form of mortgage, rights pledge, or mortgage plus guarantee. Properties that can be used as mortgage include personal properties, land use rights, transportation vehicles, etc. Personal property that can be pledged includes savings certificates, certificated treasury bonds and registered financial bonds. Mortgage plus guarantee means that on the basis of property mortgage, the mortgagor's joint liability guarantee is added. If the borrower fails to repay the entire loan principal and interest on time or other defaults occur, the bank will require the guarantor to perform its guarantee obligations.

Methods 5 of small and medium-sized enterprise loans, personal entrusted loans

China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other commercial banks have successively launched a new type of loan business - personal entrusted loans . That is, a loan is entrusted by an individual to provide funds, and a commercial bank issues, supervises, uses and assists in the recovery of the loan based on the loan object, purpose, amount, term, interest rate, etc. determined by the client. The basic procedures for handling personal entrusted loans are:

1. The entruster submits a loan application to the bank.

2. The bank selects and matches according to the conditions and requirements of both parties, and recommends them to the entrusting party and the borrower respectively.

3. The client and the borrower meet directly to negotiate and make decisions on specific matters and details such as loan amount, interest rate, loan term, repayment method, etc.

4. After the borrower and the lender have negotiated the required conditions, they go to the bank together and sign an entrustment agreement with the bank respectively.

5. The bank investigates the borrower's credit status and repayment ability and issues an investigation report. Then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank.

Small and medium-sized enterprise loan method 6. Bill discount loan

Bill discount loan means that the bill holder transfers the commercial bill to the bank and obtains funds after deducting the discount interest. In our country, commercial bills mainly refer to bank acceptance bills and commercial acceptance bills. This kind of...

This ends the introduction to corporate loan collateral and corporate mortgage loan flow chart. I wonder if you found the information you need?