1. A financing guarantee company that meets the minimum registered capital, has paid in monetary capital of RMB 5 million, and is engaged in re-guarantee business 1 100 million, and has been in business for more than two years;

2. Having a business place that meets the requirements;

3. Articles of association that comply with the law;

4. There are management and evaluation personnel who are familiar with finance and related businesses. To register a mortgage company, it is necessary to submit an application report on the establishment of the company, the name of the organization, the source of registered capital, the business place and the business scope to the company registration authority.

Mortgage companies need to meet the following conditions:

1, with business license, tax registration certificate, code certificate and so on. ;

2. Have a loan card from China People's Bank and no bad credit record;

3. The registered business of the company is more than 1 year, and the annual turnover in the latest year is more than 3 times of the loan amount;

4. Materials required to apply for enterprise mortgage loan.

To sum up, the items in the company's business scope that are required to be approved by laws and administrative regulations shall be approved according to law. Mortgage companies need to have business licenses, tax registration certificates, code certificates, etc. , and the company needs to be registered and operated for more than one year, the annual turnover in the latest year is more than three times the loan amount, and it has a loan card issued by the People's Bank of China, and there is no bad credit record. Mortgage companies need to bear the risks brought by market fluctuations and pay attention to the scope of secured principal creditor's rights.

Legal basis:

Article 394 of the Civil Code of People's Republic of China (PRC)

In order to ensure the performance of the debt, if the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, the creditor has the right to be compensated in priority for the property.

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

Article 395

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.