General companies should continue to operate for more than one year, and their financial statements will continue to be profitable. Some banks can submit their business licenses according to trade contracts, purchase contracts or processing contracts, and their legal representatives can prove that the company or bank staff can guide you to fill in the insurance review or evaluation to ensure that the loans will not be used for other purposes.
Second, what should the online loan be mortgaged?
According to the requirements of the lender, the following properties can generally be mortgaged: (1) houses owned by the mortgagor and other fixed objects on the ground; (2) Machines, means of transport and other property owned by the mortgagor; (three) the right to use state-owned land, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law; (4) State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law; (five) the land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer; (six) other property that can be mortgaged according to law. The mortgagor may mortgage the property listed in the preceding paragraph together. The condition of online loan is: 1, and the borrower can provide ID card. 2. The borrower can provide a residence permit. 3. The borrower is over 18 years old and has full capacity for civil conduct. 4. The borrower can provide personal bank flow. 5. The borrower can provide asset certificates required by other lending institutions. 6. The borrower shall verify the mobile phone number. 7. The borrower can provide proof of the purpose of the loan.
3. What does a general loan need to be mortgaged?
Online loans generally mortgage land attachments such as buildings; The right to use construction land; Or the production equipment, raw materials, semi-finished products, products and other property that the debtor or a third party has the right to dispose of. The specific mortgaged property can be determined by the borrower and the lender through consultation. According to Article 395 of the Civil Code, 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. Article 397 Where a building is mortgaged, the right to use the construction land within the occupied area of the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together. If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage. Article 402 Where the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5 is mortgaged, the mortgage registration shall be handled. The mortgage is established at the time of registration.
4. What do you mean by mortgage registration in the Green Paper?
1. The vehicle was not purchased in full, but was purchased by loan, so the mortgage was registered at the vehicle management office, and the car loan has not been paid off. Only after the customer pays off all the car loans can he get back the vehicle registration certificate mortgaged by the bank/auto consumption finance company, and then go to the vehicle management office to understand the mortgage procedures, so that the car can truly belong to the customer.
2. The vehicle has been mortgaged, so it is natural to register the vehicle at the vehicle management office. Only after paying off the mortgage loan can the mortgage registration of the vehicle be cancelled at the vehicle management office. It should be noted that the vehicle mortgage loan is not only available to the owner, but also can be mortgaged by the spouse or others with the consent of the owner.