典当行注册条件及其典当行如何注册

in real life，Whenever we want to buy something we can’t afford，The first thing that comes to mind is borrowing，But for some large amounts of funds，In addition to going to the bank to apply for a mortgage loan，You can also go to a pawn shop to pawn your house.，然而房屋的抵押和房屋的典当有什么区别了？

1. pawn shop

Process

1. Determine the total amount：According to the “overall planning” of the Ministry of Commerce，The principle of "reasonable layout"，Determine the total amount of regulation and material reporting time based on corresponding economic indicators in various places.。
2. receive materials：According to the "Pawn Management Measures", the applicant

Require

，Submit application materials to the city (prefecture) level commerce department where the pawn shop is proposed to be established.。

After receiving an application to establish a pawn shop or a pawn shop applying to establish a branch，The districted city (prefecture)-level commerce department shall submit it to the provincial-level commerce department for preliminary review.，The provincial commerce department will submit the review opinions and application materials to the Ministry of Commerce.。

1. Review by the Ministry of Commerce：The Ministry of Commerce organized and established a joint pawn shop approval working group to review the submitted materials.。
2. Apply for approval：According to the minutes of the pawn shop joint approval working group meeting，For compliance with

Require

application for establishment，The Ministry of Commerce issues approval to provincial commerce authorities，and issue a "Pawn Business License"，The applicant must go to the relevant department to complete the registration formalities with the approval and pawn business license.。Not approved，Notify all provincial commerce authorities，and explain the reasons。

five、The enterprise holds the approval document from the Ministry of Commerce and the "Pawn Business License"，After preliminary examination by the public security organ of the local county-level people's government，Apply for a "Special Industry License" from the municipal (prefecture) level public security agency，Go to the industrial and commercial administration department to apply for a business license with the above approval documents and licenses。

1. 什么是房产典当 房产典当是指房产所有者在以其所拥有的具有完全所有权的房产作抵押向典当行借款，并在约定的时间内付清本息，赎回房产的一种融资行为。here，典当人并不需要将房产移交典当行占有，典当行也无权使用、收益该房产，而仅仅是限制其产权转移，将其作为清偿本息的财产担保，房产仍归原产权人使用。

so，现在所指的房产典当实际上就是房产抵押，其内涵与《民法》所定义的房产典当行为有本质的区别。

1. 什么是房产抵押 房产抵押是指产权所有人以房契作为抵押，取得借款按期付息。房屋产权仍由产权所有者自行管理，债权人只按期取息，而无使用管理房屋的权利，待借款还清，产权人收回房契抵押即告终结。

如债务人不能履行债务，则债权人有权依法处分抵押房屋，并在处分抵押房屋所得价款中优先受偿。抵押房屋的当事人称为房屋抵押人，接受抵押房屋的原债权人称为房屋抵押权人。房屋抵押人必须具有完全的民事行为能力，无民事行为能力和限制民事行为能力的人不得设定房屋抵押。

1. 房产抵押和房产典当主要有三个不同点：
2. 处理方式不同 房屋典当属于质押贷款的范畴，房产在典当的期间，房屋要封存起来，不能使用，并且处于典当行的监督之下，典当房屋的人，不能再使用典当的房屋。房产抵押贷款是向银行抵押自己的房屋，来获得贷款的方式。

在房屋抵押期间，抵押人还可以继续使用房屋，只是限制转移的权利。

1. 的期限不同 房屋在典当的时候，典当行不是全额的付款，是根据房屋价值的不同按比例放款，利于在典当期间收回房屋，一般情况下是三个月到半年的时间，是一种短期的融资的行为，需要在短时间内获得大量金钱的企业和个人来说，都是一种很好的方法。

银行抵押贷款，是按照房子的价值发放贷款，贷款的年限较长，长可达十几年。

1. 方式不同 房屋用于典当是不用考虑典当人的还款能力的，办理典当的房屋产权必须明细，没有纠纷，而且会封存房屋，只是考虑房子本身价值，房产抵押贷款的评估是有一套复杂的手续的，还要考虑贷款人的还款能力。

从房产抵押和房产典当的三个不同点可知，两者房子抵押时的状态是不一样的，对于那种抵押更适合，这是要根据客户的实际需求及其抵押的时间长度而去选择那种抵押，从而实现融资的目的。

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