Land mortgage loans should also pay attention to the following points: 1. Those who have obtained the state-allocated land use right for free cannot directly mortgage. Due to historical reasons, state-owned enterprises and collective enterprises occupy and use urban state-owned land. The above-mentioned enterprises only have the right to use this kind of land allocated for free, but they have no right to dispose of it, and they cannot use the allocated land as collateral. 2. Premise of mortgage of land use right: Only when a real estate developer or enterprise has signed a land transfer contract with the government, paid the land price and obtained a land use certificate, can it legally mortgage its land use right to obtain bank loans or other forms of funding. Without the above legal conditions, the mortgage of land use right is invalid. 3. The mortgage must have a written document. When the land use right is mortgaged, a mortgage agreement shall be signed between the mortgagor and the mortgagee according to the relevant laws of the state. Because the mortgage of land use rights often involves a large amount of money, any verbal agreement is hasty and not serious, so any mortgage of land use rights should be written and legal documents formulated. 4. The principle that the land use right is consistent with the above-ground buildings. When the land use right is mortgaged, the above-ground buildings, other attachments and all rights and interests are mortgaged together. Therefore, when signing the land use right mortgage agreement, the above-ground buildings and attachments and their rights and interests should be listed in detail. 5. When the land use right is mortgaged, the registration formalities shall be handled. If it is a raw land or there is no mortgage on the land use right of buildings, it should first be registered with the land management agency, and then registered with the real estate management bureau. If it is a mortgage of the land use right with buildings or other attachments on it, you only need to register with the real estate administration and apply for other rights certificates.