P2P online loan mortgage type one: vehicle mortgage loan

Vehicle mortgage loan means that the borrower uses the vehicle as collateral to initiate loan demand from the P2P online loan platform. Generally, this type of lender has short-term funds that need to be turned around, or sellers with many used cars use mortgages to expand their scale. Nowadays, vehicle mortgage loans are more common, and the financing funds will be relatively small.

P2P online loan mortgage type 2: Chattel mortgage loan

Chattel mortgage loan refers to the borrower’s own or third party’s raw materials, transportation, production tools, and inventory goods. , equipment and other movable properties as collateral to apply for financing from the P2P online lending platform. If the borrower performs its obligations under the agreed circumstances, the P2P online lending platform has the right to auction, sell or discount the mortgaged movable properties and use the proceeds to compensate investors.

P2P online loan mortgage type three: Internet intellectual property pledge loan

Internet intellectual property pledge loan refers to the property rights management of the borrower’s legally owned patent rights, trademark rights, and copyrights. After evaluation, apply for financing from the P2P online lending platform. Zhishang Finance is the first Internet intellectual property financial platform in China. Most of its loan recipients are energetic and powerful small and medium-sized enterprises with strong repayment capabilities. Intellectual property rights are extremely important to them, so the risk is lower than other types of mortgages. In addition, in order to more comprehensively protect the financial security of both investors and financing parties, the platform has reached a third-party fund custody cooperation with Huaxing Bank and has set up a risk reserve.

P2P Online Loan Mortgage Type 4: Equity Pledge Loan

Equity Pledge Loan means that the borrower pledges equity to P2P online loans without selling the shares it holds. The platform then packages the equity and bids it out to complete the loan. The term of equity pledge loans is flexible, the financing amount within the pledge period can be used repeatedly, and the application is simple.

P2P online loan mortgage type five: house mortgage loan

House mortgage loans and vehicle mortgage loans are two common types, in which the borrower uses its own real estate as collateral. The P2P online lending platform proposes financing needs, and real estate can be commercial housing and factories. The amount of a home mortgage loan will be larger than that of a home mortgage loan, but it also requires the platform to more strictly review the value of its collateral.