Many enterprises' properties can be used as collateral for mortgage loans, which can be summarized as follows:
1. First of all, of course, it is the real estate and real estate of enterprises, such as factories and land with property rights. This kind of real estate is also the most acceptable collateral for lending institutions.
2. Equipment and transportation of the enterprise. For example, power equipment, working machines, scientific research instruments and other production equipment; The vehicle can be a vehicle, transportation equipment, etc.
3. Current assets of the enterprise. Such as fuel, commodities, bills of lading, etc.
4. Securities of the enterprise. Such as treasury bills, financial bonds, bank notes, company stocks and other securities owned by enterprises according to law.
5. Intangible assets of enterprises. It mainly includes intangible assets such as copyright, trademark right and patent right. This kind of collateral is usually used to pledge loans.
What are the types of corporate loans?
enterprise loan refers to a way for an enterprise to borrow money from a bank or other financial institution at a specified interest rate and term for the needs of production and operation. The loans of enterprises are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. At present, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, single-term hypothecated loan loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-paying bills discounted by buyers or agreements, domestic factoring with recourse, and export tax rebate account custody loans.
what is the interest rate of corporate loans, and what is needed for corporate mortgage loans at present?
hello, the premise of our corporate loan is to open a corporate settlement account in our bank, and we need to provide certain collateral, which can be the property of the legal representative or shareholder, the factory building and equipment under the name of the enterprise. Some branches of the Bank carry out characteristic unsecured loan business. If you see/receive similar publicity information, you need to contact the account manager of the local branch or sub-branch for details. The nominal loan amount of the company is generally more than 5 million yuan. If the loan demand is below 5 million, personal business loan or small and micro enterprise loan business can be considered.
The latest PBOC loan interest rate has been published on our website, and the corporate loan interest rate fluctuates on this basis (the floating range is .9 to 1.7). Please copy (ctrl c) the following website to open it: cmbchina/...cdrate
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What are the characteristics of enterprise fixed assets mortgage loans
1. Long loan term
Compared with the production activities of general products, fixed assets reproduction activities have the characteristics of large size and long production cycle, so the loan term of fixed assets loans is also longer than that of general short-term loans.
2. Dual planning
Fixed assets loan projects must not only be included in the national fixed assets investment plan and have construction conditions, but also be bound by the fixed assets loan scale determined by the credit plan.
3. Continuity of management
The supervision and management of general working capital loans is limited to the production or circulation process, while fixed assets loans should be managed not only in the construction process, but also after the project is completed and put into production until all principal and interest are paid off.
what can be used as collateral for chattel mortgage loans?
1. Special chattels such as airplanes, ships and automobiles. The particularity of this kind of movable property is that its ownership status is determined by registration, and its transaction must also be registered. Therefore, some people call it quasi-real estate, which can also be called registered real estate. Compulsory registration of this kind of movable property is the need of the state's administrative management of movable property with strong liquidity and great value. Like real estate, the publicity effect of mortgage can be realized by registration.
2. Machinery and equipment, agricultural tools and livestock of the enterprise. This kind of movable property is necessary for the production of enterprises or farmers, and only mortgage guarantee can be established. Therefore, I think we should set up a special registration system and registration authority for this kind of movable property. It should be said that it is more convenient for the third party to master this kind of movable property by carrying out special mortgage registration and stipulating the inquiry obligation of the third party. Moreover, the mobility of these types of movable property is small, and the registration system will not have much impact on the smooth transaction. However, it should be noted that the livestock that can be mortgaged should be limited to productive livestock, and it should not be allowed to set up mortgages for unproductive people such as sheep, pigs, chickens and ducks.
3. movable property such as products and materials of the enterprise. Because this kind of movable property has great fluidity, it is obviously not conducive to the protection of the interests of the mortgagee and the third party to allow mortgage. However, adopting the registration system and stipulating the inquiry obligation of the third party will inevitably affect the normal conduct of the transaction. Therefore, this kind of movable property should not be allowed to set up a separate mortgage, but it can set up a floating guarantee together with other property of the enterprise.
The above are some provisions in chattel mortgage loan, which I hope will be helpful to you.
What information does the enterprise loan guarantee need to provide?
Do you mean the information to be provided by the enterprise as the borrower or the information to be provided by the enterprise as the guarantor? 1. Information to be provided by the borrower 1. Copy of the original business license (with annual inspection mark) 2. Organization code certificate 3. Tax registration certificate 4. Account opening permit 5. Loan card 6. Articles of association or partnership agreement 7. Reports at the end of the last two years and recent reports 8. ID card and certificate of legal representative. ID cards of directors 9, capital verification report 2, information provided by the guarantor 1, business license 2, articles of association or partnership agreement, capital verification report 3, organization code certificate 4, loan card 5, statements for the last two years and recent statements 6, ID card of legal representative, ID card of directors 7, collateral property right certificate
What can a company or enterprise mortgage if it wants to borrow money, and the management right and ownership are still
The company or enterprise can mortgage real estate and equipment if it wants to borrow money.
you can also mortgage equity loans.
in addition, if there is really no collateral, you can also find a third party to guarantee the mortgage loan, that is, use the asset mortgage loan of a third party. Of course, you must negotiate with the third party.
what are the best mortgage companies? Ask the insiders to answer? Thank you
Xinghong Finance and Loan Company. It is very famous in Beijing, and mortgage loans can be made in 16 cities across the country, with a wide range, fast lending and relatively simple process.
what are the mortgage companies? I mainly want to be an agent for 1 points
The requirements of banks in different regions may be different, depending on the application conditions of local banks.
The conditions of real estate mortgage loans:
1. Natural persons aged 18-65;
2. Have a proper occupation and a stable income source, and have the ability to repay the loan principal and interest on schedule;
3. There is no illegal act;
4. Good credit information and bad credit record;
5. It can provide effective pledge guarantee of rights recognized by the bank, or can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
6. Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
7. The property right of the house is clear and meets the conditions for listing and trading stipulated by the state;
8. Real estate can enter the real estate market without any other mortgage;
9. The sum of the house age and the loan application period cannot exceed 4 years;
1. The mortgaged house is not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;
11. Other conditions stipulated by the bank.
what are the loan channels for SMEs in China
Generally speaking, SME loans are divided into mortgage loans and unsecured loans. There are several ways to subdivide:
SME loan methods 1. Comprehensive credit
That is, some enterprises with good operating conditions and reliable credit are granted a certain amount of credit line within a certain period of time, which can be recycled within the validity period and credit line. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money in installments according to their own operating conditions, and it is very convenient for enterprises to borrow money, and it also saves the loan cost. Banks provide loans in this way, generally for enterprises with industrial and commercial registration, qualified annual inspection, good management, reliable reputation and long-term cooperative relations with banks.
SME loan methods II. Credit guarantee loan
At present, credit guarantee institutions for SMEs have been established in more than 1 cities in 31 provinces and municipalities across the country. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The source of the guarantee fund is generally composed of local financial allocation, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise borrows money from a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies that specialize in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.
loan methods for small and medium-sized enterprises III. Project development loans
Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have significant scientific and technological achievements transformation projects and the initial investment amount is relatively large, which is unbearable for their own capital. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements for technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.
SME loan methods IV. Natural person guaranteed loan
In August 22, China Industrial and Commercial Bank took the lead in launching the natural person guaranteed loan business. In the future, when domestic institutions of ICBC handle credit business for SMEs with a term of less than 3 years, natural persons can provide property guarantees and assume compensation responsibilities. Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint and several liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the loan principal and interest on schedule or other breach of contract occurs, the bank will require the guarantor to fulfill the guarantee obligation.
loan methods for small and medium-sized enterprises V. Personal entrusted loans
Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loans. That is, a loan that is entrusted by an individual to provide funds, and is issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client. The basic procedures for handling personal entrusted loans are as follows:
1. The principal applies to the bank for loan.
2. The bank selects and matches according to the conditions and requirements of both parties, and recommends them to the entrusting party and the borrower respectively.
3. The trustor and the borrower meet directly to negotiate and make a decision on specific matters and details such as loan amount, interest rate, loan term and repayment method.
4. After the borrower and lender negotiate the requirements, they go to the bank together and sign the entrustment agreement with the bank respectively.
5. The bank investigates the borrower's credit status and repayment ability and issues an investigation report, then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank.
SME loan methods VI. Bill discount loan
Bill discount loan means that the bill holder transfers the commercial bill to the bank and obtains the funds after deducting the discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. such ......