1, Lease Right Against Risk

According to the principle of "buying and selling does not break the lease", if the lease payment is paid in advance, the credit cooperative will not be able to handle the mortgaged property because the lease is still valid. Before the borrower signs the loan contract with the credit cooperative, if the house is rented to the related party at a rent significantly lower than the market price, and the lessee is required to pay the lease fee in one lump sum, the credit cooperative will not be able to obtain the rental income for repaying the loan.

2. Risks of mortgage registration right

Risk of land use right, if the credit cooperatives do not register the mortgage of land use right at the same time, the mortgaged real estate will not be disposed of and realized. Risk of registration term: when a credit cooperative handles a real estate mortgage loan, if the loan term is set to be the same as the mortgage registration term, once the loan cannot be recovered at maturity, the mortgage registration will automatically expire.

3. Risks caused by the nature of land

At present, the nature of land in China is divided into allocated land and leased land. Leased land has a service life of 70 years for residential use and 50 years for industrial use. When the land use period expires, the credit cooperatives will not be able to dispose of the real estate on the land.

4. Risk of land use change

According to different uses, there are many kinds of land sold, and the value is completely different. If the borrower changes the land use privately, such as changing the warehouse land to the entertainment center land, according to the land management law, the state can recover the land use right free of charge, and the credit cooperatives will not be able to dispose of the mortgaged property.

5. Mortgage risk of construction in progress

The priority of the construction project price, according to the provisions of the contract law, the priority of the construction project contractor is superior to the priority of the mortgage. Tax priority, according to the "Measures for the Administration of Tax Collection", the unpaid tax of the taxpayer occurs before the taxpayer sets a guarantee with his property, and the tax takes precedence over the security interest.

6. * * * has the risk of property mortgage.

According to the interpretation of the "Guarantee Law", when * * * has property available for mortgage, * * * someone mortgages his * * * property, and the mortgage is invalid without the consent of other * * * people. When the borrower uses the * * * property to handle the mortgage loan, if the * * * property is not signed, it will automatically lose the mortgage right.