What is the collateral for corporate loans?

Does the company need collateral for loans?

1. Does the enterprise loan need mortgage guarantee?

Corporate loans don't have to be secured by mortgage. You can apply for enterprise credit loans without mortgage or guarantee.

civil law

Article 425 Where the debtor or a third party transfers his movable property to the creditor to guarantee the performance of the debt, and the debtor fails to perform the due debt or the creditor has the right to be paid in priority for the movable property.

The debtor or the third party specified in the preceding paragraph is the pledger, the creditor is the pledgee, and the delivered movable property is the pledged property.

Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property.

The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Second, how to judge that the mortgage guarantee contract is invalid

The mortgage guarantee contract is invalid under the following circumstances:

(1) theme is illegal.

The party concerned is a person without capacity or with limited capacity; The guarantor qualification is illegal; Other circumstances stipulated by law.

(2) the object is illegal

Mortgage of property is prohibited by law; Mortgaged or pledged property is stolen goods or lost property.

(3) the content is illegal

It is invalid if the creditor uses fraud, coercion or taking advantage of the danger of others to make the guaranteed person deduct the guarantee against his true meaning.

Company mortgage loan processing flow

The process of corporate loan is to apply to the lender first, and submit materials that prove that the company has the ability to continue to operate and has a legal source of repayment, and then the lender will review it, and finally the loan will be distributed to the account applied by the company.

Interim Measures for the Administration of Working Capital Loans Article 3 The term "working capital loans" as mentioned in these Measures refers to local and foreign currency loans issued by lenders to enterprises (institutions) legal persons or other organizations that can be used as borrowers as stipulated by the state for the daily production and operation turnover of borrowers. Interim Measures for the Administration of Working Capital Loans Article 11 An application for working capital loans shall meet the following conditions: (1) The borrower is established according to law; (2) The purpose of the loan is clear and legal; (3) The production and operation of the borrower are legal and compliant; (four) the borrower has the ability to continue to operate and has a legal source of repayment; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 of the Interim Measures for the Administration of Working Capital Loans stipulates that the lender shall require the borrower to provide the methods and specific contents of the application materials for working capital loans, and require the borrower to abide by the principle of honesty and trustworthiness and promise to provide the materials that are true, complete and effective.

Can the company mortgage the loan?

Companies can mortgage loans, but they must meet the following conditions: 1, business license, tax registration certificate, code certificate, etc. 2. Have a loan card issued by the People's Bank of China 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, and used for external rental, with the rent collected 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 debt replacement funds and funds exceeding the specified 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. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

How to borrow a company mortgage loan?

What are the procedures and conditions of company mortgage loan?

What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.

For example, when an enterprise applies for a credit loan, it can directly bring its business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.

After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.

The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the enterprise's credit rating is up to standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.

To apply for a mortgage loan, in addition to applying to the business outlets and signing a contract, you also need to go through the mortgage registration procedures. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.

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What are the procedures and conditions of company mortgage loan?

Company mortgage loan conditions: 1, business license, tax registration certificate, organization code certificate, etc. 2. The company has a good reputation and no bad records; 3. The company's registered operation 1 year or more; 4, tax payment certificate, corporate financial statements, etc. ; 5. Bank statements for the past six months; 6. Other loan conditions at the bank counter. Different mortgage banks have different credit lines.

After the company's mortgage loan is handled, it needs to be repaid in time, and it cannot be overdue, because there will be penalty interest after it is overdue. The longer the time, the more penalty interest, and the bank will charge it after the deadline. If the arrears are not repaid, the bank will auction the collateral for repayment after the judgment.

Mortgage repayment in loans overdue will also lead to poor credit reporting, and subsequent enterprises will be rejected when they apply for loans again, which is very unfavorable for business operation. In fact, when you can't pay back on time, you can borrow money from friends who do business around you. Generally, you need to pay a certain amount of interest and pay it back to them later.

It is best for a company to know the loan interest rate in advance when handling mortgage loans, so that it can know the total interest returned after the loan, and then choose the one with low loan interest rate. However, it is best to measure your repayment ability when handling a loan, know what kind of income the company uses to repay, and then handle the loan according to the actual situation.

Company mortgage loan conditions

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.