Go to the website azxy#com#cn of Beijing Anze Xinyuan (replace # with #. It's quite detailed. Mortgage application information:
Application for credit business;
The latest financial statements of the borrower and the mortgagor;
Resolutions of the board of directors of the borrower and the mortgagor;
Letter of commitment for credit guarantee issued by the mortgagor;
Collateral ownership certificate and insurance certificate;
An appraisal report on the value of collateral issued by an asset appraisal institution recognized by the bank;
Description of payment plan and repayment source;
Commercial contracts related to the purpose of the loan. Last telephone consultation, they helped me quickly. They will find a professional to evaluate and talk to the bank directly after the preparation materials are complete.
Second, how to borrow a company mortgage loan
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.
Third, can companies mortgage loans?
Companies can mortgage loans. The company's mortgage loan needs to meet the following conditions: 1, business license, tax registration certificate, code certificate, etc. 2. Have a loan card from China People's Bank and no bad credit record; 3. The registered business of the company is over 1 year, and the annual turnover in the latest year is more than 3 times of the loan amount. The characteristics of corporate mortgage loans are: 1. The operating property used for mortgage must be a loan owned by the borrower, located in a prosperous business district, for rent, and the rent collected will be used as the source of repayment; 2. The loan can be used for legal and compliant capital requirements within the company's business scope, including but not limited to debt replacement funds and funds exceeding the prescribed proportion of project capital; 3. The value of collateral 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. According to Article 16 of the Company Law of People's Republic of China (PRC), if a company invests in other enterprises for the company or provides guarantees for others, it shall be decided by the board of directors or the shareholders' meeting in accordance with the articles of association; Where the articles of association stipulate limits on the total amount of investment or guarantee and the amount of individual investment or guarantee, it shall not exceed the prescribed limits. Where a company provides a guarantee for the company's shareholders or actual controllers, it must be resolved by the shareholders' meeting or the shareholders' meeting. Shareholders specified in the preceding paragraph or shareholders controlled by actual controllers specified in the preceding paragraph shall not participate in voting on matters specified in the preceding paragraph. The voting shall be passed by more than half of the voting rights held by other shareholders present at the meeting. Article 37 Duties of the Shareholders' Meeting The shareholders' meeting shall exercise the following functions and powers: (1) To decide on the company's business policies and investment plans; (2) Electing and replacing directors and supervisors who are not employee representatives, and deciding on the remuneration of directors and supervisors; (3) Examining and approving the report of the board of directors; (4) Examining and approving the reports of the board of supervisors or supervisors; (5) To examine and approve the annual financial budget plan and final accounts plan of the company; (VI) To examine and approve the company's profit distribution plan and loss recovery plan; (7) To make resolutions on the increase or decrease of the registered capital of the company; (8) To make resolutions on the issuance of corporate bonds. (9) To make resolutions on the merger, division, dissolution, liquidation or change of corporate form of the company; (10) Amending the Articles of Association. (eleven) other functions and powers stipulated in the articles of association. Where the shareholders unanimously agree to the matters listed in the preceding paragraph in writing, they may make a decision directly without convening a general meeting of shareholders, and all shareholders shall sign and seal the decision document.
4. Can the company use the apartment as collateral?
You can get a loan if you can go public.
If you pay, it's a house. In the later stage, the unit may be required to issue a certificate to waive the preemptive right. If you have any questions, please call the user name. You'd better know the details first. Property certificate is issued by the state to the developer, you can't see it. In addition, if the house is not issued by the Construction Committee, but in other forms, you should consult whether the unit dormitory can be mortgaged if it is owned by the company. If it is a lease, it cannot be mortgaged. It is a small property right. As long as it meets the bank's application conditions, it is easier to apply for an office apartment mortgage loan. General treatment conditions:
1. The borrower's credit is good, and the actual age of the loan due date is generally no more than 65 years old.
2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule.
3. Willing and able to provide the real estate mortgage recognized by the lender, and the real estate * * * has recognized its loan and guarantee behavior, and is willing to bear relevant legal responsibilities.
4. The property right of the mortgaged house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgages.
5. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
6. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.