Mortgage loans can generally mortgage the following six items:

1, inventory mortgage. Refers to all kinds of goods as collateral, such as commodities and raw materials. ;

2. Securities mortgage. Take all kinds of securities as collateral, including bonds, stocks and deposits.

3. Equipment mortgage. Taking vehicles, ships and mechanical equipment as collateral;

4. Real estate mortgage. Take real estate, land, etc. As collateral;

As collateral;

6. Life insurance policy mortgage. As collateral.

Mortgage loan, also known as a loan collateral adopted by banks, is used as a guarantee for loans to ensure repayment when the loans expire. Collateral is generally easy to preserve, not easy to wear and tear, and easy to sell, such as securities, bills and stocks. 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. Shoot me. 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 loan, a loan obtained from a bank with certain items as security. Both are common in banks.

2. Mortgage and pledge belong to guarantee. A system in which a secured creditor realizes his creditor's rights and urges the debtor to perform his debts with the credit or specific property of the debtor or a third party.

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, and in the possession and custody of creditors.

(3) Mortgage only has a simple guarantee effect, and the pledgee in the pledge not only controls the pledge, but also embodies the pledge.

(4) Different disposal rights. The obligee has no right to directly dispose of the mortgaged property, and needs to negotiate with the mortgagor or appeal after judgment to complete the mortgage. The creditor may dispose of it outside the time stipulated in the contract without consultation or judgment.

legal ground

civil law

Article 394 Where a third party mortgaged the property to the creditor without transferring the possession of the property, and the debtor fails to perform the due debt or realize the mortgage right in accordance with 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 and the creditor is the mortgagee.

Second, mortgage loans with goods.

The loan amount cannot exceed the assessed value of the collateral. For real estate, the maximum loan amount cannot exceed 80% of the appraised house price. Because the house is stipulated by the bank.

Third, physical mortgage loans.

Legal analysis: At present, the process of handling physical mortgage loan is: first, find the loan product that suits you and submit the loan application to its lending institution. After the application is approved, the auditor will conduct a preliminary review of your personal qualifications by telephone, submit materials according to the specific requirements of the loan products, and sign the loan documents. After that, your loan collateral will be evaluated and approved (this cycle is relatively long, which takes about 3-4 weeks). After the approval, go through the mortgage registration formalities, and everything is completed, so you can wait for the loan.

Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation 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.