Land use rights can be mortgaged for loans, but not all land use rights can be mortgaged for loans. Land use right mortgage loans are one of the main ways for real estate companies to obtain financing loans. Mortgage registration should be based on land use right registration. So how to mortgage collective land? What information is required for a collective land mortgage loan?

Land use rights can be mortgaged for loans, but not all land use rights can be mortgaged for loans. Land use right mortgage loans are for real estate companies and are one of the main ways to obtain financing loans. Mortgage registration should be based on land use right registration. So how to mortgage collective land? What information is required for a collective land mortgage loan?

How to mortgage loans on collective land

1. Generally, to apply for a housing mortgage loan, the property rights of the house must be clear and meet the conditions for listing and trading stipulated by the state. It can enter the real estate market and circulate. Any other mortgage. Many rural collective land houses cannot be mortgaged with banks because the property rights relationship is unclear. However, there are also some places that support mortgage loans for rural collective land houses.

2. Article 182: If a building is mortgaged, the construction land use rights within the area occupied by the building shall also be mortgaged. If the right to use construction land is mortgaged, the buildings on the land will also be mortgaged. If the mortgagor fails to mortgage all properties in accordance with the provisions of the preceding paragraph, the unmortgaged properties shall be deemed to be mortgaged together.

3. Article 183 The construction land use rights of township and village enterprises shall not be mortgaged separately. If the factories and other buildings of township and village enterprises are mortgaged, the construction land use rights within the scope of their occupation shall also be mortgaged.

4. Article 184 The following properties shall not be mortgaged: land rights, collective land use rights such as cultivated land, homesteads, private land, private hills, etc., except those that can be mortgaged by law.

5. The facilities of kindergartens, hospitals and other public welfare institutions, social groups, medical and health facilities and other social welfare facilities whose rights and use rights are unclear or are in dispute shall be seized or seized in accordance with the law. Seized property and other property that cannot be mortgaged according to laws and regulations.

What information is needed for collective land mortgage loans?

1. Land registration application;

2. Land use certificate;

3. The business license (organization code certificate) and legal representative qualification certificate of both parties to the mortgage;

4. If the legal person or other organizational authority agrees with the mortgage and requires approval from the competent department, it must also be submitted to the competent department for approval. Written opinions on mortgage; joint-stock enterprises need to provide resolutions of the board of directors or shareholders' meeting; the stockholders *** own property and must submit proof of the mortgagor's share; *** and *** own property and must submit other *** owners Approval materials; properties of Sino-foreign joint ventures, cooperative enterprises, and joint-stock enterprises must be submitted to the board of directors for approval;

5. Loan contracts and mortgage contracts or pawn notes and pawn contracts (if a guarantee company is involved in the mortgage, it is also required Providing guarantee contract and counter-guarantee contract);

6. Land asset valuation report or land asset valuation agreement;

7. Other information that needs to be submitted according to laws and regulations.

In addition, if you apply for entrustment, you must also provide a power of attorney and proof of identity of the trustee.

The above is how to mortgage loans on collective land? What information is required for a collective land mortgage loan? The value of the mortgaged land can be evaluated by a land appraisal agency or determined through negotiation between the two parties to the mortgage, but the guaranteed creditor's rights must not exceed the value of the mortgage. If the evaluated or negotiated land value is significantly higher than the market price, the mortgage risk arising therefrom shall be borne by the mortgagee.