Currently banks generally do not accept mortgages for machinery and equipment.

Scope of application:

Must be an enterprise or institution legal person that has been approved and registered by the industrial and commercial administration department, and has gone through tax registration and annual inspection procedures in accordance with regulations; the product has a market, and the production and operation are profitable. Do not misappropriate credit funds and abide by your credit;

Have the ability to repay the principal and interest on time, and the original principal and interest of the loan and the due loan have been repaid; if they have not been repaid, a repayment plan approved by the bank has been made; according to the " Approved by "Bank Enterprise Credit Rating Standards", in principle, the credit rating must be A level (inclusive) or above;

Have opened a basic account or general deposit account in the bank; except for the provisions of the State Council, limited liability companies and The cumulative amount of external equity investments of a joint-stock company does not exceed 50% of its total net assets; the borrower's operating and financial systems are sound, and its main economic and financial indicators meet the bank's requirements;

Applying for medium- and long-term loans The project must be approved by the national competent department, and the ratio of the corporate owner's equity of the new project to the total project investment shall not be lower than the capital ratio of investment projects stipulated by the state.

The property used as collateral must comply with the relevant provisions of the "Guarantee Law of the People's Republic of China". The mortgagor must enjoy the ownership or disposal rights of the mortgaged property in accordance with the law and clearly express his willingness to the bank. The collateral provides security for the debtor.

For mortgages with real estate, the maximum mortgage rate shall not exceed 70%; for mortgages with transportation vehicles, general machinery, equipment and tools, the maximum mortgage rate shall not exceed 60%; with special machinery, equipment and tools, intangible assets (including If land use rights) and other properties are mortgaged, the maximum mortgage rate shall not exceed 50.

Extended information:

Application submission information

(1) The borrower applies for the maximum mortgage amount with a newly purchased house or an owner-occupied house without a mortgage. For the maximum amount of mortgage loan for personal housing, you need to provide; identification materials; proof of repayment ability; down payment invoice; apply for the maximum amount of mortgage loan for personal housing in the "Personal Housing Loan Application Form". ?

(2) To convert the original housing mortgage loan with China Construction Bank into a maximum personal housing mortgage loan, the customer needs to fill out the "China Construction Bank Personal Housing Maximum Mortgage Loan Application Form" and submit it to the loan company The bank must provide proof of identity, marriage status, and debt repayment ability (if the above materials are already included in the original loan application.

And if there is no change when applying for the maximum mortgage loan, they may no longer be provided); Certification materials; a statement from the person who mortgaged the property agreeing to handle the maximum mortgage amount; the original loan contract of the original housing mortgage loan. ?

(3) To convert the original housing mortgage loan from another bank into a maximum mortgage loan, the borrower needs to fill out the "China Construction Bank Personal Housing Maximum Mortgage Loan Application Form" and provide the lending bank with: Documents proving the borrower’s identity and marital status.

Materials proving the borrower’s ability to repay debts; materials proving ownership of the house; a statement from the person who pledged the property for the maximum amount of mortgage; the original loan contract of the original home mortgage loan; the original home mortgage loan for the past one year Year's repayment history.

Baidu Encyclopedia-Mortgage Loans