Whether it is Agricultural Bank of China or any bank, as long as the loan funds are used according to the loan contract and the principal and interest are repaid on time, there will generally be no consequences. Only during the loan period, the mortgage of the land belongs to the loan bank, and the mortgage can be released after the loan is settled.

If loans overdue fails to repay the principal and interest on time, the bank will demand repayment of the loan. If the loan cannot be repaid, the bank will apply for execution and auction of the land to obtain the funds to repay the loan. If the auction money is enough to repay the loan principal, interest, attorney fees and other related expenses, it can be owned by the borrower. However, if the auction money is still insufficient to repay all the money, the borrower still needs to repay the loan by other means.

Second, can rural land certificates be loaned?

No, you must have a real estate license.

Self-built houses in rural areas can generally be mortgaged with complete procedures. The most important procedure here is the property right certificate of the house. At present, there are some self-built houses in rural areas in China, with only land use certificates and no housing property certificates. It is impossible to apply for a loan in this situation.

In addition, whether rural self-built houses can be mortgaged depends on the actual situation. Such as the service life of the house, the geographical location of the new house, the realized value, etc. If the house has a long life or a poor location and the realized value is low, even if the procedures are complete, it cannot be used as a mortgage to obtain a loan.

Third, can the land certificate be loaned?

The land use certificate can be mortgaged. Land use certificate is a legal document to confirm land use right. According to the Regulations for the Implementation of the Land Administration Law of the People's Republic of China, the state implements the land registration and certification system according to law. Land ownership and land use rights registered according to law are protected by law, and no unit or individual may infringe upon them. Mortgage loan, also known as "mortgage loan". It refers to a loan method. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. In order to better support the development of agriculture, countryside and farmers, build a new socialist countryside, increase the types of loans and ensure the safety of loans. In order to safeguard the legitimate rights and interests of both borrowers and lenders, these measures are formulated in accordance with the relevant provisions of the state. Article 1 Mortgage loan is a loan method that the borrower is willing to use his own property or the property of a third party as a guarantee when borrowing from the company. When the borrower fails to repay the loan principal and interest at maturity, the Company has the right to dispose of its collateral as repayment of the loan principal and interest and related expenses. Article 2 To handle mortgage loans, a mortgage loan contract shall be signed on the basis of equal consultation in accordance with relevant state regulations. Article 3 Scope of collateral: fixed assets (such as houses and other above-ground buildings, vehicles, machinery and equipment, etc.) with legal value and use value; Materials or property that can be circulated or transferred. If the house purchased under the preferential policies of the state is mortgaged, the mortgage amount shall be limited to the share of the mortgagor's disposition and income; An enterprise as a legal person with an operating period may not mortgage a house beyond the operating period; If a house with land use years is mortgaged, the mortgage period shall not exceed the remaining years after the used years minus the used years stipulated in the land use right transfer contract. Where a house is mortgaged, the right to use the state-owned land within the occupied area of the house shall be mortgaged at the same time. Article 5 Mortgage rate: The maximum value of mortgaged property shall not exceed 70%. Article 6 Mortgaged property shall be registered with the relevant departments according to law: if the house is mortgaged, it shall be registered with the real estate management department; With transport vehicles as collateral to the public security vehicle management department for registration; Where machinery, equipment and other materials are used as collateral, they shall register with the administrative department for industry and commerce; Collateral that has not been registered by the above-mentioned registration department shall go through notarization procedures at the notary department. When the above-mentioned collateral is registered with the relevant departments, in principle, it is necessary to carry out asset evaluation and issue certification procedures to facilitate reasonable and legal mortgage loans. Legal basis: Article 395 of the Civil Law: The following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (four) production equipment raw materials semi-finished products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations.

4. Can rural land certificates be loaned?

Rural land loans, but rural cooperatives or agricultural banks seem to apply for a loan of 50 thousand only in rural areas.