1, inventory mortgage. Refers to all kinds of goods as collateral, such as commodities and raw materials. ;
2. Securities mortgage. Take various securities as collateral, including bonds, stocks, certificates of deposit, bills of exchange, etc. ;
3. Equipment mortgage. Taking vehicles, ships and mechanical equipment as collateral;
4. Real estate mortgage. Take real estate, land, etc. As collateral;
5. Customer account mortgage. Collateral with accounts receivable;
6. Life insurance policy mortgage. Take the surrender amount of life insurance as collateral.
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. mortgage
Similarities between mortgage and pledge:
1. Mortgage loans and pledged loans refer to loans that borrowers obtain from banks with certain items as guarantees. Both are common forms of bank lending.
2. Mortgage and pledge belong to guarantee. Guarantee refers to the system that the law urges the debtor to perform his debts with the credit or specific property of the debtor or a third party in order to ensure the specific creditor to realize his creditor's rights.
The difference between pledge and mortgage
(1) provides different protection items. Mortgaged collateral is usually real estate (such as land and houses) and special movable property (cars and boats). ); Pledges are mainly movable property (such as certificates of deposit and bonds).
(2) Different forms of possession. Mortgage is not carried out in the form of transferring the possession of collateral, and the mortgagor is still responsible for the custody of collateral; Pledge has changed the form of possession of pledged property, and the pledgee has the responsibility to keep the pledged property. For example, I mortgaged my property, but it is still in my possession and custody. If I pledge the certificate of deposit, it will be possessed and kept by the creditor.
(3) The mortgage only has the simple guarantee effect, and the pledgee in the pledge not only controls the pledge, but also embodies the lien effect.
(4) Different disposal rights. If the debtor fails to repay the debt on schedule, the creditor has no direct right to dispose of the collateral, and needs to negotiate with the mortgagor or appeal to the court to complete the disposal of the collateral; However, the creditor may dispose of the pledge outside the time stipulated in the contract without consultation or court judgment.