Collaterals acceptable through loans from China Merchants Bank: RMB demand deposits and RMB time deposits, foreign currency time deposits, local and foreign currency time deposits, certificate-based government bonds, savings bonds, book-entry government bonds, local and foreign currency entrusted wealth management products, and personal life insurance policies; Consumption can only be pledged by the borrower himself or his spouse.
The general credit period is not more than 5 years, and the term of a single loan or credit project is not more than 3 years; If the loan is for studying abroad, the maximum term of a single loan or credit line shall not exceed 6 years (inclusive). Amount: not less than 50,000 yuan at least, but not more than100,000 yuan in principle; The specific loan amount you can borrow needs to be determined by the outlets after checking the amount of collateral and combining with your comprehensive situation. You can directly contact the loan handling bank for consultation!
Second, can equity be mortgaged?
Legal Analysis: Equity cannot be mortgaged. Equity refers to the comprehensive rights of personal rights and property rights enjoyed by shareholders of a limited liability company or a joint stock limited company, which belongs to personal dependence. The possession of equity is inseparable, but mortgage can be set.
Legal basis: Article 410 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * If the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to give priority to the payment of the mortgaged property. If the agreement harms the interests of other creditors, other creditors may request the person to cancel the agreement.
If the mortgagee and the mortgagor cannot reach an agreement, the mortgagee may request the mortgagee to auction or sell the mortgaged property.
According to the market price.
Third, can equity be used as collateral?
Yes, as long as the corresponding conditions of equity mortgage are met. The borrower borrows from the lender with the company's equity (shares) held by himself or a third party, as long as the lender allows it, there is no need to meet special conditions. Generally speaking, the borrower should be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a China natural person with full civil capacity approved and registered by the administrative department for industry and commerce (or the competent authority). If the borrower is different from the pledgor, the pledgor shall be the legal owner of the pledged equity and have the right to pledge the equity.
Fourth, can equity be mortgaged?
Equity can be mortgaged, and the process of equity mortgage loan is: 1. The equity borrower shall apply to the lending institution and submit relevant materials; 2. The equity borrower and lender shall sign a written loan contract; 3. Within the agreed time after the signing of the equity pledge contract, the parties concerned shall go to the equity pledge registration institution to register the equity pledge. Apply to the administrative department for industry and commerce for registration of equity pledge, and submit materials. What materials should be submitted for notarization of equity inheritance? The materials to be submitted for notarization of equity inheritance are as follows: 1. The identity certificate of the party concerned, that is, copies of the resident identity cards of all legal heirs; 2, the decedent's death certificate, such as cremation certificate, death certificate issued by the hospital, account cancellation certificate; 3. Proof of kinship. Issued by the deceased unit, listing the spouse, children and parents of the deceased; 4. If any heir renounces the right of inheritance, they shall submit a declaration of renunciation; The declaration of renunciation of inheritance should be notarized in a different place: the local people should declare it in the notary office. 5. If there is the death certificate of the heir who died before the decedent and the certificate of the legal heir. Legal basis: Article 440th of the Civil Code of People's Republic of China (PRC). The following rights that the debtor or a third party has the right to dispose of may be pledged: (1) bills of exchange, promissory notes and checks; (2) Bonds and certificates of deposit. (3) Warehouse receipts and bills of lading; (4) Transferable fund shares and equity; (5) Transferable intellectual property rights such as the exclusive right to use a registered trademark, patent right and copyright; (6) Existing and future accounts receivable; (7) Other property rights that can be pledged according to laws and administrative regulations.