So, ladies and gentlemen, let's unveil the mystery of art mortgage and watch the spark of collision between ancient antiques and modern finance-art mortgage finance.
According to relevant media records, Yuexiu District of Guangzhou started the antique mortgage as early as 2013165438+125 October. Guangzhou Xinchang Art Credit Fund was established. This year, Guangdong Chongzheng, the largest auction house in Guangdong Province, was established. Strictly speaking, Guangzhou Xinchang seems to have been established earlier than Guangdong Chongzheng.
The picture shows the down payment of art pledge. The applicant is the president of Guangdong Collectors Association, with a total amount of 6.5438+0.68 million.
In response to the implementation of the Twelfth Five-Year Plan, the development of art finance will be accelerated. Guangzhou Xinchang Investment Co., Ltd. formally established Guangzhou Xinchang Art Credit Fund, which plans to invest 20 billion credit lines in the art market in the next two years, which undoubtedly brings great good news to collectors, and this news can also promote the development of art financialization.
According to professionals, the narrow financing channels for antique artworks have always been the bottleneck restricting the development of this market. Once the risk of antique appraisal and evaluation can be effectively resolved, banks will realize that antique art can broaden the financing channels and the market cake will naturally become bigger.
Case 1
For example, Mr. Wang, a citizen of Guangzhou, has a collection with a market value of 3 million RMB. However, due to problems with the funds of their own enterprises, there are too many conditions for the approval of the loan bank, and the real estate license was mortgaged last time. Now he borrows private loans, and the interest is too high. If he is willing to find a mortgage loan company in Guangzhou to find this collection in his hand, he can borrow money to solve his own financial problem and pay off the money within the agreed time limit, and his collection can be redeemed. If he doesn't redeem it at maturity, the ownership of this collection belongs to the right to invest in this collection.
Case 2
Mr. Zhang retired when he was old. He is an antique lover, and all his family's money is spent on antique art. Recently, his son has an investment project, but this project needs to invest 5 million yuan, and the Zhang family can't afford so much money. All the antiques at home are sold, but the price is not ideal. I have had a lot of auction experience earlier, but now I don't know where to find a buyer. My antiques are all things I like. If it weren't for his son, he wouldn't consider shooting. Later, a manager engaged in art mortgage contacted him and learned about his situation. He took out a mortgage for him. Because of the good collection and excellent quality, he successfully got the loan within a few days without delaying his own project. Finally, his son's project was successfully completed and the company's mortgage loan was paid off in advance. His son is very grateful to his father for his care, and the family has become more harmonious.
Artwork mortgage process (taking Guangzhou Xinchang as an example): Contact person: 176884 10544.
1, through the application; ?
2. Acceptance and filing;
3. Scientific and technological testing requires the applicant to take the original ID card and antiques as collateral to the relevant audit center for appraisal and audit, and ensure that the audited items are not fakes through scientific and technological testing and expert audit;
4. Expert review;
5, issued by the audit report;
6. After approval, sign a credit contract with a financial institution and issue a loan to the applicant within 3-7 working days.