The following properties can be used as collateral: (1) 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.
legal ground
Article 395 of the Civil Code stipulates that the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) 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. The mortgagor may mortgage the property listed in the preceding paragraph together.
What is a mortgage loan and what property can be mortgaged?
Mortgage loan refers to a loan method adopted by banks in some countries, which requires borrowers to provide certain collateral as a guarantee for loans to ensure the repayment of loans at maturity.
There are actually many things that individuals can mortgage with bank mortgage loans. The items that individuals can mortgage mainly include the following:
First, the real estate license can be mortgaged to the bank, and it should not be surprising that the real estate is mortgaged to the bank. Many people generally mortgage their real estate licenses to banks and mortgage their real estate licenses to banks, so that people can get relatively high loans.
Second, you can mortgage the car to the bank. If people need to apply for a loan, they can also mortgage their cars to the bank. However, the amount of loans that people can get by mortgaging their cars from banks is not very high, because the value of cars is not very high and cars are depreciating every year.
Third, individual shops can be mortgaged. If people own personal stores, they can also mortgage them to banks.
I want to ask about the bank mortgage loan?
Bank loans need not be mortgaged. You can use provident fund and punch card salary loans, and it is a credit loan, and you don't need a mortgage.
Among the ways of bank loans, only mortgage loans need to be mortgaged, as follows:
1. For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan.
2. If you need to buy commercial housing along the street to start a business, you can plan to buy a house as a mortgage and apply for a commercial housing loan from the bank. Generally, the mortgage loan amount shall not exceed 60% of the appraised value of the purchased commercial house, and the longest loan period shall not exceed 10 year.