, including goods pledge, warehouse receipt pledge, equity pledge, trademark pledge, etc.

The pledge of goods is easy to understand. You deposit the goods in the supervisor, supervisor or bank (or the supervisor is qualified for loan) and lend them to you (the goods can flow during the pledge period).

The landlord can refer to the financing loan of Yushang and cooperate with ICBC. Generally 1-2 weeks can be extended, and the interest rate is very low.

Extended data:

Refers to the loan issued by the lender with the movable property or rights of the borrower or a third party as collateral according to the pledge method stipulated in the Guarantee Law. Pledges include treasury bonds (unless otherwise stipulated by the state), national key construction bonds, financial bonds, AAA corporate bonds, savings certificates and other securities. The pledgor shall deliver the title certificate to the lender. The pledge contract shall take effect from the date of delivery of the certificate of rights. If the personal savings deposit certificate is pledged, the identity certificate of the bank where the account is opened and the proof of stopping payment shall be provided.

The movable property or right as pledge must comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC), and the pledger must enjoy the ownership or disposal right of the pledged property according to law, and make a written commitment to the bank to provide pledge guarantee for the borrower.

Where securities such as bank drafts, bank acceptance bills, cheques, promissory notes, certificates of deposit and treasury bills are pledged, the maximum pledge rate shall not exceed 90%; Movable property, legally transferable shares (stocks), commercial acceptance bills, warehouse receipts, bills of lading, etc. Pledged, the pledge rate shall not exceed 70%; Where other movable property or rights are pledged, the pledge rate shall not exceed 50% at most.

If pledge is adopted, the pledgor and the pledgee must sign a written pledge contract, which will be terminated when the borrower pays off all the principal and interest of the loan; Before the expiration of the pledge period, the lender shall not dispose of the pledged property without authorization. During the pledge period, if the pledge is damaged or lost, the lender shall bear the responsibility and be responsible for compensation.

Loan procedure

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Loan review: the law firm conducts a preliminary review of the client's application, and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

What is this?

Question1:What's the score of 20?

Refers to the loan issued by the lender with the movable property or rights of the borrower or a third party as collateral according to the pledge method stipulated in the Guarantee Law. Pledges include treasury bonds (unless otherwise stipulated by the state), national key construction bonds, financial bonds, AAA corporate bonds, savings certificates and other high-priced securities. The pledgor shall deliver the title certificate to the lender. The pledge contract shall take effect from the date of delivery of the certificate of rights. If the personal savings deposit certificate is pledged, the identity certificate of the bank where the account is opened and the proof of stopping payment shall be provided.

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Question 2: What do you mean? Is it different from mortgage? Mortgage is not carried out in the form of transferring the possession of collateral, and the mortgagor is still responsible for the custody of collateral;

Pledge has changed the form of possession of pledged property, and the pledgee has the responsibility to keep the pledged property.

Generally speaking, the mortgagor shall be responsible for the damage or value reduction of the collateral, and the pledgee shall be responsible for the damage or value reduction of the collateral.

The creditor has no direct right to dispose of the collateral, and needs to negotiate with the mortgagor or appeal after judgment to complete the disposal of the collateral; The creditor may dispose of the pledge beyond the time stipulated in the contract without consultation or judgment. Pledged loans are fast and have high interest, which requires home visits and notarization. Pledge mostly exists in the category of private lending, and mortgage is generally done in banks.

If you need anything, please leave a message and contact me. Hee hee hee!

Question 3: What is the loan amount? At present, the loan amount can only reach about 6.5% of the house price ~ You can add my friends to the loan in Shanghai ~ You can contact me if you have any questions or need help ~ Just add my friends ~

Question 4: What does pledge loan mean? Five-point pledge is also called pledge, that is, the debtor or the third party transfers his movable property to the creditor for possession and takes the movable property as the guarantee of the creditor's right. When the debtor fails to perform the debt, the creditor has the right to be paid in priority for the sale price of the movable property according to law.

Pledged loan means that the borrower (debtor) transfers the movable property to the creditor and takes the movable property as the guarantee of the creditor's right. This kind of loan is a pledge loan.

Pledge characteristics

1. All security interests have the same characteristics-subordination, indivisibility and subrogation. 2. The objects of pledge are movable property and transferable rights, and real property cannot be pledged. Pledge is therefore divided into chattel pledge and right pledge. Money can also be pledged after designation: after the debtor or a third party designates its money in the form of special account, seal, deposit, etc. , it is handed over to the creditor for possession as a guarantee for the creditor's rights. When the debtor fails to perform the debt, the creditor can use the money to get the priority. 3. Pledge is a security interest that transfers the possession of pledged property, and pledge is based on the possession of the subject matter.

The difference between pledge and mortgage 1. Pledge is a kind of security interest. The biggest difference between mortgage and pledge is that mortgage does not transfer collateral, but pledge must transfer the possession of pledged goods, otherwise it is not pledge but mortgage. The second big difference is that pledge cannot pledge real estate (such as real estate), because the transfer of real estate is not possession, but registration. 2. Mortgage and pledge are two common ways of guarantee in economic activities. But in practice, people often confuse the two, for example, this is a pledge, but it is written as a mortgage in the contract. We should know that mortgage and pledge are two different ways of guarantee, and their legal consequences are different. So, what's the difference? (1) Mortgage refers to the real right that the debtor or the third party does not transfer the possession of its specific property and takes the property as the guarantee of creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount or give priority to paying the auction or sale price according to law. Property is called collateral, the debtor or the third party is called mortgagor, and the creditor is called mortgagee. Mortgage can be divided into two types: legal and agreed. Statutory, whether agreed or not, must comply with the provisions; If the law allows the parties to agree, it can be settled through consultation. The collateral must be the transferable property owned by the mortgagor, and anything prohibited by law or not enjoyed by the parties shall not be used as collateral. A written contract shall be signed for mortgage guarantee, and the contents of the contract shall also include the type and amount of the principal debt guaranteed, the time limit for the debtor to perform the debt, the name, quantity, location, ownership and mortgage scope of the collateral. The mortgage guarantee shall be registered according to law, and the mortgage contract shall take effect from the date of registration. The acceptance organ of mortgage registration is the real estate management organ, such as the land use right mortgage registration as the land management organ, and the transportation department registration as the ship and vehicle registration organ. (2) Pledge refers to the real right that the debtor or a third party gives his specific property to the creditor for possession as a guarantee for the creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount the property or auction or sell it, and give priority to compensation. Property is called pledge, the person who provides the property is called pledger, and the person who enjoys the pledge is called pledgee. A written contract shall be signed for the pledge guarantee, and the pledge contract shall take effect when the pledge or pledge is handed over to the pledgee, and the contents of the pledge contract are basically the same as those of the mortgage contract.

Question 5: What does bank mortgage mean? Just go to the bank with the real estate license and land certificate, and the account manager will give you a list to help you with the mortgage loan. It involves a series of procedures such as mortgage registration change of real estate license and land certificate.

Banks with different interest rates are different. Usually the annual interest rate is between 5.3% and 8%.

Question 6: What is the guarantee of10? For example, according to the loan terms of the policy, after the life insurance policy takes effect for two years, the insured can apply for a loan from the insurer with the policy as collateral. This is the insured.

I don't know if this is clear.

Question 7: What types are there? There are many kinds of pledge loans, such as inventory pledge loans. You can ask the customer service in Lingbang Jin Fu, and they will answer you seriously.

Question 8: What is third-party supervision? It means that the borrower pledges the eligible movable property to the bank, and the bank, the borrower and the third party sign a tripartite agreement to entrust the third party to conduct daily supervision of the movable property during the pledge period to ensure the safety of the pledged property. Banks provide local and foreign currency credit support to borrowers, such as loans, discounts and bill acceptance.

Third parties refer to asset management companies, professional logistics companies and professional warehousing companies. , established in accordance with the law, with the qualification and ability to supervise the pledge of movable property.

Question 9: What is personal counter small pledge? 1, loan content

Personal small amount refers to the business of obtaining a certain amount of loans from savings institutions with unexpired certificates of deposit and treasury bills as collateral and repaying the principal and interest of the loans when due.

2. Loan objectives

Small amount, only for natural persons with China nationality and full capacity for civil conduct. As collateral, certificates of deposit are limited to unexpired lump-sum deposits and withdrawals, interest-bearing deposits, overseas Chinese RMB, residents' savings, large-value certificates of deposit in negotiable certificate of deposit and foreign currencies. Small savings cannot be handled by lump sum deposit and withdrawal, lump sum deposit and withdrawal, etc. The national debt as collateral is limited to the certificate-based national debt issued after 1999.

3. Basic information of the borrower

① Open an account at the savings office (counter) of China Construction Bank Branch, and have a certain amount of regular savings deposits;

(2) Holding the unexpired time deposit certificate issued by the savings office (counter) of China Construction Bank Branch in my own name as pledge;

(3) Relevant provisions on pledge of national debt (please provide)

(4) Provide the borrower's own resident identity card;

⑤ Ensure the repayment of loan principal and interest on schedule.

4. Maximum loan amount and term.

If multiple certificates of deposit are used for pledge, the small term shall not exceed the maturity date of the pledged certificates of deposit. The loan term shall be determined by the time closest to the maturity date, and the longest shall not exceed 1 year.

The minimum amount is 1 000 yuan, and each loan does not exceed 80% of the face value of the pledged certificate of deposit [foreign currency deposits are converted into RMB according to the buying price of foreign exchange (paper money) announced on the same day], and the maximum loan amount does not exceed 654,380+0,000 yuan.

Question 10: What is a mortgage loan? Mortgage loan refers to the loan that the borrower obtains from the bank with a certain amount of collateral as the guarantee. It is a loan form of capitalist banks, and the collateral usually includes securities, China bonds, various stocks, real estate, and bills of lading, warehouse receipts or other documents that prove the ownership of goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.

What are mortgages and

Mortgage means that the debtor or the third party does not transfer the possession of the property and takes the property as the guarantee of the creditor's right. When the debtor fails to perform the debt, the creditor has the right to discount or auction the property according to law. Priority should be given to the price of the property sold. Pledge means that the debtor or a third party gives his movable property or rights to the creditor for possession. When the debtor fails to perform the debt, the creditor has the right to be paid in priority with the proceeds from the discount, auction or sale of movable property or rights according to law. The difference between mortgage and pledge lies in: First, the subject matter is different. The subject matter of mortgage is usually real estate and special movable property (cars, boats, etc. ); The pledge is mainly movable property. Securities such as bills and stocks can be pledged. Second, the way is different. Mortgage only takes effect after registration, while pledge only needs possession. Mortgage does not transfer the possession of the subject matter, but it is still occupied by the owner of the subject matter; On the other hand, the pledger must transfer the possession of the pledged property, and the possession belongs to the pledgee. \ Third, the scope of protection is different. The legal guarantee scope of mortgage includes the principal creditor's rights and interest, liquidated damages, damages and the expenses for realizing the mortgage right, while the scope of pledge guarantee also includes the expenses for keeping the pledged property. In order to keep the pledge, the pledgee must pay the necessary fees. Mortgage only has a simple guarantee effect, and the pledgee in pledge not only controls the pledge, but also embodies the lien effect. Mortgage is mainly realized by applying for auction, and pledge is mostly direct sale. \

How many ways can China Bank guarantee personal commercial housing loans?

The personal commercial housing loan of China Bank has mortgage, pledge and guarantee. The personal commercial housing loan of China Bank must be secured by mortgage, and the lender may decide to add the pledge guarantee or guarantee guarantee on this basis according to the specific circumstances of the borrower.

1. When applying for a mortgage loan, the mortgagee and the mortgagor shall conclude a mortgage contract in writing. The establishment of collateral, mortgage contract and mortgage shall comply with the contract law, property law, guarantee law and other laws, regulations and regulatory provisions. The collateral shall be the commercial house purchased by the mortgagor, and other commercial houses owned by the mortgagor shall not be used for mortgage.

2. If the loan is applied by pledge, the pledge method can be chattel pledge or right pledge, and the pledgee and pledger must sign a pledge contract. Where rights are pledged, the pledge is limited to bonds and certificates of deposit, and other rights including equity are not accepted for the time being. The establishment of pledge, pledge contract and pledge right shall comply with the Contract Law, Property Law, Guarantee Law and other laws, regulations and regulatory provisions; The Lender shall timely request the Pledger to deliver the pledge and go through the pledge registration procedures to ensure the effective establishment of the Lender's pledge right. If the lender thinks notarization is necessary, the borrower (or pledger) shall handle notarization. The pledgor shall hand over the pledged property or confirmed property right certificate to the lender for safekeeping. During the pledge period, without the consent of the pledgee, the pledger shall not transfer or repeatedly pledge the pledged property, and shall not report the loss for any reason.

3. If the purchased commercial house is mortgaged, the mortgage rate shall not exceed 50% of the mortgaged property value; Where certificates of deposit or certificates of national debt are pledged, the pledge rate shall not exceed 90%; If other bonds are pledged, the pledge rate shall be determined in strict accordance with the value of the pledge.

4. Where a loan is applied by way of guarantee, the borrower shall provide a third-party joint liability guarantee recognized by the lender. The guarantee provided by a third party is an irrevocable full and effective joint and several liability guarantee, which must comply with the provisions of the Guarantee Law.

Where a guarantee is adopted, the guarantor and the creditor must sign a guarantee contract, and the guarantor shall bear joint and several liability. When the guarantor changes, it must go through the formalities for changing the guarantee in accordance with the regulations. The original guarantee contract shall not be revoked without going through the formalities for changing the guarantee.

Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.

The above contents are for your reference. Please refer to the actual business regulations.

What is the personal time deposit guarantee of China Bank?

China Bank Personal Time Deposit Guarantee:

1. When applying for personal deposit from the lender, the borrower must use personal time deposit issued by China Bank as pledge guarantee. The acceptable collateral for personal time deposit is the unexpired personal time deposit in local and foreign currencies in my name. Products include lump-sum time deposits and lump-sum time deposits with interest, and the certificates of rights that can pledge time deposits include time all-in-one passbook, current all-in-one passbook, debit card and lump-sum time deposit certificate issued by China Bank. The handling institution may accept loan applications with time deposits opened by non-handling institutions as collateral.

2. For the business handled through personal online banking/personal mobile banking of Bank of China, the types of time deposits that can be pledged are limited to the lump-sum and lump-sum time deposits that have been automatically transferred under the time all-in-one account of Bank of China in my name (the associated medium of the account can be a time all-in-one passbook or debit card), and the deposit must be in the borrower's name, and the time all-in-one account has been linked to personal online banking/personal mobile banking of Bank of China.

3. The personal time deposit certificate of China Bank shall not be frozen in any form, including full deduction freezing (no transaction issuance), deduction freezing (no transaction issuance) and amount freezing (no account balance less than the agreed freezing amount).

4. For the business handled by the agency, the pledgor shall deliver the property right certificate of the pledged time deposit to the pledgee (the personal certificate of deposit has no physical property right certificate and need not be provided). For the business handled through personal online banking/personal mobile banking of Bank of China, the lender will freeze the time deposit pledged by the pledgor, and the pledgor does not need to submit the title certificate.

5. The lender shall sign the applicable loan contract and guarantee contract with the borrower and the pledger, and go through the formalities of freezing and stopping payment. For personal online banking/personal mobile banking of BOC, the loan contract will be displayed, the borrower will sign it through the security authentication tool, and the pledge will be automatically frozen by the system. During the pledge period, the pledged lump-sum time deposit will bear interest at the normal deposit interest rate within the term, and the pledged time deposit with interest will bear interest normally within the term, but interest will stop.

Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.

The above contents are for your reference. Please refer to the actual business regulations.

The introduction of mortgage-backed loans ends here.