In our daily life, many people will use loans for temporary capital turnover, so can the state-owned land use certificate be mortgaged? Today, Bian Xiao will talk to you about this problem, hoping to help you. Interested friends can follow Bian Xiao to learn about it.

1. Can the state-owned land use certificate be mortgaged?

1, the state-owned land use certificate can be mortgaged, but the regulations of each bank are different. According to the urine, bank of tianjin does not allow, Industrial and Commercial Bank of China and Bank of China can use the state-owned land use certificate as collateral.

2, the state-owned land use certificate is basically not a small mortgage, the mortgage amount is generally more than 500 thousand.

Second, what are the precautions for mortgage loans?

1, there are many kinds of mortgages, such as real estate mortgage, automobile mortgage, fixed assets mortgage and business procedures mortgage. Then in the process of mortgage, we must choose a formal institution to mortgage the loan.

At present, there are many mortgage agencies or lending institutions outside. These institutions are informal. Some institutions lend usury indirectly. Although the loan is fast, the interest is high until the borrower is unable to repay it and loses more property.

The competition in the mortgage market is fierce now. Many companies are called finance companies, but they are actually high-interest loans with different methods. In order to improve their business, many such lending institutions will lend to borrowers on the most favorable terms in the market, but the interest rate will not fall.

At present, the state stipulates that private lending institutions should not be higher than the national benchmark interest rate by 4 times, otherwise it will become usury, and usury will not be protected by the state.

The above is Bian Xiao's summary of the relevant contents and information about the mortgage loan of state-owned land use certificate, hoping to bring you help. If you have any other questions, you can leave a message at the bottom of the platform, and Bian Xiao will solve your problems in time. Finally, if you have any questions about home or home improvement, you can pay more attention to Qijia. com。