If the land is sold by the state and belongs to business, including commercial and residential, commercial, industrial, tourism, entertainment and other purposes, you can apply for mortgage loans. If it belongs to public facilities and infrastructure, it depends on the specific situation. For example, educational land belonging to teaching buildings and student dormitories cannot be mortgaged, and the administrative office part can be approved. Leased land in expressway can also be mortgaged. Land allocation can be approved, but banks will generally deduct the transfer fees after completing the transfer procedures.

Legal objectivity:

Article 395 of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.