What if the land certificate mortgage loan is not paid?

1. What if the land certificate mortgage loan is not paid?

Once the land certificate and mortgage loan are not paid, the land can only be mortgaged. At this time, it is necessary to think clearly in advance, and the loan is risky. If you can't use it, you can only use the mortgaged items for repayment.

Second, can the land certificate be mortgaged?

Question 1: Can the land use certificate be mortgaged? It is not whether the land certificate can be loaned, but whether the land use right can be mortgaged. .

Generally speaking, the allocated land can be mortgaged, and the allocated land is limited and can be approved. .

Therefore, if it is a state-owned land use certificate, the land obtained through transfer can be used for mortgage loans. .

The collective land use certificate also has certain restrictions. Industrial and mining enterprises, commercial land and buildings can all be mortgaged, but generally speaking, they are not only mortgaged to open space. Rural housing cannot be mortgaged at present. . It is estimated that when the Third Plenary Session of the 18th CPC Central Committee implements the rural land transfer policy, it is possible to break through the original model and may allow restrictions on homestead. .

Question 2: Can land be used as collateral? number

You have no land ownership, only land use rights. Bank mortgage must use land with property rights.

Land Management Law of the People's Republic of China

Article 8 Urban land belongs to the state.

Land in rural areas and suburban areas belongs to farmers' collectives, except for those that are owned by the state according to the law; Homestead, private plots and private hills are collectively owned by farmers.

It can be seen that all the land belongs to the collective, and the villagers only have the right to use it, but have no ownership.

Question 3: Can the land certificate be loaned? Land certificates can be used to mortgage loans. The specific procedures are as follows:

1. Go to the local appraisal agency to appraise the land value;

2. Apply for land certificate mortgage loan from the bank and fill in the application form;

3. The bank staff shall examine and approve the materials submitted by the borrower and visit the mortgaged land on the spot;

After the approval of the bank, the loan will be issued.

5. The borrower repays the loan according to the contract.

Land certificate mortgage loan procedures

To mortgage a loan with a land certificate, the required materials include the original land certificate, the confirmation of the ownership of the land certificate, the ID card of the mortgagor and his wife, the marriage certificate and the original household registration book.

When handling a land mortgage loan, the borrower must be careful when preparing the materials, and there must be no shortage of proof materials, otherwise a slight mistake will affect the whole process of the loan.

Question 4: How much can I borrow from the land certificate loan? You can log in to Rong 360 platform directly, submit your personal information, and relevant personnel will answer your questions. General land certificate loan process: first, you have to find a bank to agree to give you a land mortgage loan; Second, the general land and resources bureau can have or link a land evaluation unit to evaluate the mortgaged land; Third, take the assessment report to the land department for mortgage registration. After passing the assessment, you will be issued with the Certificate of Other Rights of Land; Fourth, taking this certificate of other rights to the bank to handle loan matters requires a mortgage contract and a maximum loan contract. They are all signed and sealed, and they are waiting for payment.

Question 5: Can I apply for a mortgage loan only with a real estate license and no land certificate? It depends. If it is a commercial house, there is no need to provide a land certificate.

If it is a self-built house, or a factory building. Then it is estimated that the mortgage is difficult.

From the perspective of risk control, your problem is risky, compared with the above-ground buildings, although it leaves the land. (Of course, unprofessional companies are excluded. )

In short, if your land certificate is not mortgaged, the real estate certificate can be used as another certificate and can be mortgaged. Furthermore, if the other party does not consider your collateral, it mainly considers your repayment ability. The collateral is just a reference, and there is no problem.

Question 6: Can I mortgage a loan if I have a land certificate in the countryside? Rural land belongs to collective land and cannot be loaned.

Question 7: Can others take my land certificate as a mortgage loan? No, the conditions of real estate mortgage loan are:

Natural person with age 18-65;

Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;

There is no illegal act;

Good credit information and bad credit records;

It can provide effective pledge guarantee of rights recognized by the bank, or it can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

The property right of the house is clear and meets the listing and trading conditions stipulated by the state;

Real estate can enter the real estate market without any other mortgage;

The sum of housing age and loan application period cannot exceed 40 years;

Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

Other conditions stipulated by the bank.

Question 8: Does the state stipulate that land certificates can be used for mortgage loans? The purpose of land confirmation is to transfer land. In addition, the right to operate the land can be used for mortgage loans. This is not a legal issue, but the bank's loan regulations.

Question 9: Hello, land certificate mortgage loan. If you plan to borrow from China Merchants Bank, the collateral must meet the following conditions:

1. In principle, the real estate used for mortgage and the lending institution must be located in the same city administrative area. Where real estate is mortgaged in different places, the bank shall set up outlets in the city where the mortgaged real estate is located, and the mortgaged real estate shall be evaluated by an evaluation agency recognized by the local branch.

2. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there is no adverse liquidation such as property right disputes.

3. It has strong liquidity, the real estate structure is intact, and various supporting facilities and services such as water, electricity, environmental protection, transportation, urban construction and property management are complete, and there are no problems and troubles, which are not within the planning scope.

4. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral; Where the actual controller of the borrowing enterprise is our "sunflower" or above customer, and the collateral has strong liquidity, it can be accepted as appropriate.

5. Other conditions stipulated by the bank.

6. If the collateral is a factory building, the following conditions must also be met:

1) The land attached to the factory building should have completed the property certificate and the owner of the factory building has obtained the land use right.

2) Do not accept idle factory buildings as collateral.

3) The mortgaged workshop should be located in a mature industrial zone, with good safety facilities such as fire fighting and clear purposes.

(two) the guarantee for the increase of non-full mortgage loans must meet the following conditions at the same time:

1. Additional guarantee refers to the guarantee for the whole credit line/single loan.

2. If the joint guarantee of natural persons is added, the guarantor shall meet the access requirements of the guarantor in the Basic Provisions on Loans for Small and Micro Enterprises.

4. If the joint guarantee of natural persons is added, the members of the joint guarantor must apply for small and micro enterprise mortgage loans in the name of natural persons at the same time, which increases the joint guarantee of natural persons and meets the requirements of the Basic Provisions on Small and Micro Enterprise Loans for Natural Persons.

5. For the non-full mortgage loan only mortgaged by real estate, the credit record of the borrower/actual controller of the borrowing enterprise must be above Grade II (inclusive).

Question 10: Can the land use certificate be mortgaged? It is not whether the land certificate can be loaned, but whether the land use right can be mortgaged. .

Generally speaking, the allocated land can be mortgaged, and the allocated land is limited and can be approved. .

Therefore, if it is a state-owned land use certificate, the land obtained through transfer can be used for mortgage loans. .

The collective land use certificate also has certain restrictions. Industrial and mining enterprises, commercial land and buildings can all be mortgaged, but generally speaking, they are not only mortgaged to open space. Rural housing cannot be mortgaged at present. . It is estimated that when the Third Plenary Session of the 18th CPC Central Committee implements the rural land transfer policy, it is possible to break through the original model and may allow restrictions on homestead. .

Third, why can state-owned land be mortgaged?

4. Can the loan be mortgaged with land certificate?

At present, the loan policy of banks is mainly based on "double certificates" or "real estate certificates" in principle, but some banks have also relaxed their policies, and "land certificates" can also be operated. If it is a "land certificate", it is more determined by integrating the actual situation of your collateral, the repayment source of the loan, the purpose of the loan and the risk level! It's not just your land certificate that counts.

In addition, if it is a single "land certificate", the loan discount may be even worse! In other words, if you want to borrow 1 10,000 yuan, you may get a 50% discount and bring you 500,000 yuan! So you can say yes, but it depends on your comprehensive factors!