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.
① The borrower applies and submits relevant materials;
② Real estate appraisal, pre-loan investigation and approval;
(3) After approval, go through the mortgage registration formalities;
(4) When granting loans, the borrower shall repay the loan principal and interest on a regular basis as agreed in the contract;
5. Settle the loan principal and interest, and handle the mortgage cancellation procedures of the mortgaged house.
According to Article 209 of the Civil Code: "The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. The ownership of natural resources owned by the state according to law may not be registered. " Therefore, the company set a mortgage on the property and was established at the time of registration.
What is the mortgage process of small loan companies?
The process is as follows: 1. The borrower applies to the loan bank for mortgage loan. 2. The loan bank shall examine and approve the loan application. 3. The borrower handles the guarantee procedures and mortgages the collateral to the loan bank. 4. Sign a loan contract. 5. The loan bank issues loan funds to the borrower's account. Article 400 of the Civil Code establishes mortgage, and the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) the scope of the guarantee.
Which company is better for real estate mortgage loan?
Beijing real estate mortgage loan platform, fast loan network, loan service platform, Huahan Finance and Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. have better real estate mortgage loans.
1, Beijing real estate mortgage loan platform
Beijing Loan Guarantee Platform was established in accordance with the law on 20 10, located in Chaoyang District, Beijing. The platform adheres to the business philosophy of "legality, safety, professionalism and efficiency", fully draws on professional financial service concepts and technologies, and combines the domestic market demand for multi-channel financing and loan guarantee, specializing in loan guarantee services.
2. Fast Loan Network
Fast loan network was founded by well-known domestic entrepreneurs and financial industry veterans. Adhering to the tenet of "what customers think, what we think", relying on the advanced financial system platform, perfect service network and professional management team, the company adopts the concept of efficient and high-speed service, which has been highly recognized by customers from all walks of life.
3. Loan service platform
The loan service platform belongs to Guangzhou Lending Information Technology Co., Ltd., which was established in June 2065438+2007. It is a loan service organization specializing in the field of asset mortgage. The loan has reached a long-term strategic cooperative relationship with a number of financial institutions and funders; It mainly provides loan financing services of more than 6,543,800 yuan for loan customers, including personal mortgage loans, large-scale enterprise mortgage loans, and advance loans.
4. Huahan Finance
Huahanfang, a subsidiary of Guangzhou Huahan Investment Consulting Co., Ltd., is a real estate loan information consulting service platform. The business areas mainly involve real estate mortgage loan, real estate secondary mortgage, mortgage re-mortgage loan, mortgage-to-mortgage loan, real estate transaction loan, sealed house loan, etc.
Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd.
Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. has a registered capital of 50 million yuan. With rich background resources and strength, and the service concept of "customer-centered, honesty-oriented", it has established a brand recognized, satisfied and loyal by consumers and developed into a unique professional financial service institution.
What is the loan process of the real estate mortgage company?
The loan process of the real estate mortgage company is as follows:
1. The borrower needs to collect loan materials.
These materials include proof of identity, proof of repayment ability, down payment invoice, proof of marital status, certificate of house ownership, application for personal housing loan, etc.
2. The bank examines the loan application.
After receiving the loan application from the lender, the bank will review all relevant information provided by the lender. Different banks spend different time on the audit, which usually takes 2-3 weeks.
3. Approve the license for hosting real estate.
After the lender's loan application is approved, the bank will hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping.
4. Notify the borrower to sign the loan contract.
After the real estate license is managed, the bank will inform the borrower to go to the bank to sign a loan contract. At the same time, the borrower needs to go to the real estate management department for mortgage registration.
5. Bank loans
After all the formalities are completed, the bank will directly transfer the loan amount into the account of the real estate developer.
6. After the loan is settled, the mortgage cancellation formalities shall be handled.
After all the mortgage loans of real estate are settled, the lender can retrieve his real estate license from the bank with his ID card and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation procedures at the real estate management department.
Housing mortgage is a real estate license mortgaged by a loan company.
Both mortgaged and unsecured.
Housing mortgage loan refers to the buyer's application for housing mortgage loan to the bank, and provides ID card, income certificate, housing sales contract, guarantee and other legal documents and other supporting documents.
After passing the examination, the bank promises to issue loans to the buyers, and handle the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers.
As for whether the real estate license needs to be mortgaged in the bank, the specific practices of different banks in different cities are different.
Extended data
The significance of real estate mortgage loan is as follows:
1. Provide financial support for real estate development and operation.
Because real estate development has the characteristics of large investment and long construction period, it needs a lot of money from all sides to run, and it is difficult to maintain it only by developers' own funds.
2. Support housing consumption
Whether from abroad or from the practice of domestic housing commercialization development, buying a house is not an easy task.
3. It is beneficial for banks to develop new business and reduce credit risk.
Real estate is one of the pillar industries of the national economy. Through the reform of housing system, housing, as a consumer product, has entered thousands of households, with great market and development potential. The timely provision of mortgage loans by banks is helpful to broaden the supply market of real estate debt funds.
4. It is conducive to promoting the development of the whole real estate system.
Although China's real estate market has developed for more than 10 years, and some years are the "bright spots" of national economic development, the whole real estate market is still very backward and the market system is still imperfect.
5. Conducive to the government's macro-control.
While promoting the development of the real estate market system, housing mortgage loan is also an effective tool for the government to carry out macro-control.
6, is conducive to improving the housing conditions of residents.
Housing mortgage loan can improve residents' housing conditions and living standards. For example, the United States can not only meet the housing needs of its residents in quantity, but also reach a higher level in the quality of life.