At present, the land transfer contract cannot be loaned in the bank, as if the relevant laws and regulations have not yet come out.

Second, the mortgage loan policy for land transfer, can land transfer be mortgaged?

The transferred land can be mortgaged, but the whole process is more troublesome. The borrower needs to legally obtain the right to operate the land circulation, and obtain the rural land circulation business license according to law, and obtain the written commitment of the employer (i.e. the village economic cooperative or the stock economic cooperative) and the outflow party to agree to mortgage. In the case that the loan cannot be returned, the financial institution can dispose of the mortgaged land circulation business right.

Third, the rural land circulation management right can be mortgaged.

At the beginning of the Spring Festival, many business owners engaged in agricultural production in Chun 'an County got a good news. From March 201May 15, the rural land circulation management right can be mortgaged, which is conducive to accelerating the rural land circulation in Chun 'an and promoting the scale, intensification and industrialization of agriculture. According to the relevant person in charge of the county agricultural office, according to the Interim Measures for the Administration of Chun 'an Mortgage Loan, the specific loan objects that can be mortgaged are all kinds of agricultural production and operation entities. The borrower must legally obtain the right to operate the land circulation, and obtain the rural land circulation management certificate according to law, and obtain the written commitment of the employer (that is, the village economic cooperative or the joint-stock economic cooperative) to dispose of the mortgaged land circulation management right by the financial institution when the loan cannot be repaid. The land used for mortgage needs to be agricultural land with a certain production scale and sustainable production capacity and other rural land that meets the mortgage conditions, and it is operated according to law and has not changed its agricultural use.

It is understood that the mortgage loan of management right mainly needs to provide three kinds of personalized materials: proof materials of land transfer management right, including rural land transfer contract and rural land transfer management right certificate; Explanatory data of the above-ground (including underground) attachments; After the employer and the outflow party agree to mortgage and agree to the written certificate of the financial institution's disposal of the collateral, they still need to go to the county to obtain the rural land transfer management right loan again.

In addition, in order to encourage financial institutions to support the development of agricultural production and management entities, the mortgage loans for rural land circulation management rights issued by financial institutions will be rewarded.

4. Can land transfer be loaned?

Of course.

Article 7 of the Interim Measures for the Pilot Project of Mortgage Loan for Rural Contracted Land Management Right stipulates that an agricultural business entity that has obtained the contracted land management right through legal circulation shall meet the following conditions when applying for a loan:

(a) with the ability of agricultural production and operation, no bad credit record;

(2) The ownership of the mortgaged contracted land is uncontroversial;

(3) Signing a legal and effective contract for the transfer of management rights with the contractor or an organization or individual entrusted by the contractor in writing, or obtaining a certificate of ownership of land management rights in accordance with the transfer contract, and paying land rent in the manner agreed in the contract;

(four) the contractor agrees that the right to operate the contracted land can be mortgaged and legally re-circulated;

(5) The Contractor has clearly informed the Employer of the mortgage of the contracted land.