Companies can mortgage loans.
The enterprise mortgage loan shall meet the following conditions:
1. Have business license, tax registration certificate, code certificate, etc. ;
2. Have a loan card issued by the People's Bank of China, and have no bad credit record;
3. The company has been registered and operated for more than one year, and its annual turnover in the latest year is more than three times the loan amount.
The characteristics of enterprise mortgage loan are:
1. The business premises used for mortgage must be a loan owned by the borrower, located in a bustling business district, and used for external rental, and the rent collected is paid as the repayment source;
2. The loan can be used for legal and compliant capital requirements within the company's business scope, including but not limited to bond swap funds and funds exceeding the prescribed proportion of project capital;
3. The value of mortgaged property must be evaluated by a real estate appraisal company with the qualification of real estate appraisal institutions above Grade II in the Measures for the Administration of Real Estate Appraisal Institutions promulgated by the Ministry of Construction.
How to mortgage loans with bank time deposits
Application materials for time deposit certificate:
1. Original and photocopy of my valid ID card;
2. Time deposit certificate in my name;
3. Other materials required by the bank.
Time deposit certificate processing flow:
1. The borrower applies for a loan from the bank;
2. Bank review and approval;
3. After approval, the bank signs a loan contract with the borrower;
4. Bank loans;
5. The borrower repays in full and on time.
Extended data
Bank loans are divided into the following categories:
1, personal credit loan
The bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; Personal credit status is good. There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan.
2. Housing mortgage loan
The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.
3. College students' entrepreneurial loans
The application conditions for this kind of loan are still relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.
4. Self-operated loans
Must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.
5. Housing mortgage loan
Have a valid identity card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.