Measures for the Administration of Mortgage Loans for Commercial Housing with Corporate Banking In order to strengthen the management of mortgage loans for commercial housing with corporate banking and standardize the mortgage loans for commercial housing with corporate banking, the legal basis is as follows: Article 196 of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, and the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
2. What are the requirements of enterprise automobile mortgage?
To apply for car loan, if the borrower is a legal entity, it is required to provide business license, organization code, tax registration certificate, etc. In addition to ID card, household registration book, income statement and asset certificate. The legal person must be himself. Car mortgage, if the applicant is a legal person, pay the car with a down payment of not less than the specified amount, and provide mortgage measures recognized by the loan bank.
Three. Regulatory provisions on corporate mortgage loans
Legal analysis: The bank's management of enterprise commercial housing mortgage loan is based on individual commercial housing, and standardizing enterprise commercial housing mortgage loan is in line with the actual situation of our bank.
Article 196 of the Criminal Law of a country with a legal system, whoever engages in credit card activities under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(1) Using forged credit cards or using fake cards;
(2) using an invalid credit card
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. The provisions of article 164th shall be convicted and punished.