银行贷款需要抵押什么？

中文版

当我们需要大笔资金进行投资、购房或其他大额支出时，银行贷款通常成为我们的首选。但是，在申请银行贷款时，银行通常要求我们提供一定的抵押品，以确保在借款人无法按时偿还贷款时，银行可以通过处置抵押品来减少风险。

那么，银行贷款要抵押什么呢？常见的抵押品包括房产、车辆、股票、债券等具有价值的资产。其中，房产是最常见的抵押品，因为房产价值较高，且相对容易估值和处置。车辆也可以作为抵押品，但其价值一般较房产低，所以贷款额度也会相应较低。股票和债券等金融产品虽然也可以作为抵押品，但由于其价值波动较大，银行通常会对这些抵押品的接受程度有所限制。

除了具体的抵押品外，银行还会考虑借款人的信用状况、还款能力等因素，以决定是否批准贷款申请。因此，在申请银行贷款时，除了提供合适的抵押品外，我们还需要保持良好的信用记录和稳定的收入来源。

英文版

What Do Bank Loans Require as Collateral?

When we need a large amount of funds for investments, purchasing a house, or other significant expenses, bank loans often become our first choice. However, when applying for a bank loan, the bank typically requires us to provide certain collateral to ensure that if the borrower cannot repay the loan on time, the bank can reduce its risk by disposing of the collateral.

So, what do bank loans require as collateral? Common collateral includes assets with value such as real estate, vehicles, stocks, bonds, and more. Among them, real estate is the most common collateral as it has a high value and is relatively easy to assess and dispose of. Vehicles can also be used as collateral, but their value is generally lower than real estate, so the loan amount will also be correspondingly lower. Financial products such as stocks and bonds can also be used as collateral, but due to their fluctuating values, banks usually have certain restrictions on the acceptance of these collateral.

Apart from the specific collateral, banks also consider factors such as the borrower's credit status and repayment ability to decide whether to approve the loan application. Therefore, when applying for a bank loan, apart from providing suitable collateral, we also need to maintain a good credit record and stable income source.