The proportion of mortgage loans for land use rights is generally around 60%, and the approval of bank loans can be inquired at the bank counter.

Second, how to check the land certificate mortgage loan

First of all, the land certificate mortgage loan is the same as the general loan processing process. If you want to apply to the bank, the bank will investigate according to its own business process and give you an answer on whether it is possible to give you credit or how much credit. The condition of bank loan is generally that the subject is qualified, that is, if you are a company, you must have legal registration and legal use, that is, the purpose of your loan is legal, and the money cannot be used for equity investment. Or engage in illegal business, the third is that the amount is reasonable, that is, if you apply for a loan to do a project, you must have your own funds, and the bank will not lend you all the loans, let alone invest more than the project, the fourth is that you must have good credit, and the fifth is that your enterprise can afford the money.

As mentioned above, how much you can borrow is comprehensive. Of course, if it is within a reasonable range, the bank will give you a 5-7 discount according to your land certificate evaluation price.

Third, the construction land loan standard?

Rules for simultaneous mortgage of the right to use the house and the right to use the construction land If the house is mortgaged, the right to use the construction land occupied by it shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together.

If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage.