In response to your question, the loan amount with land certificate is mainly determined according to your land area and local land price. The specific loan amount needs to be evaluated by the local formal evaluation agency before the bank determines it. How much money can be loaned after land mortgage is mainly based on the production and operation situation, the actual capital demand and the evaluation value of the land contractual management right used for mortgage. The specific amount is determined by the loan bank according to a certain proportion of the evaluation value of the land contractual management right. In principle, the maximum amount shall not exceed 50% of the investment in agricultural production projects or 40% of the mortgage evaluation value, that is, the mortgage rate shall not exceed 40%.
Under normal circumstances, the interest rate of land certificate mortgage loan is 6% a year. The benchmark interest rate for bank loans over five years is 6. 14%. Ten years is 6.55% (different banks). This figure can only be used as a reference, and the specific interest rate and interest need to be consulted with the local loan bank.
I can only teach you the method here. Because many people have to run by themselves. Go to the bank or an intermediary company to find an evaluation company to evaluate, and then the bank can help you. Go to the local bank and get it yourself.
Farmers who have legally obtained land certificates can mortgage loans to banks. In addition, the process of land certificate mortgage loan is: land certificate mortgage loan, and the required information includes the original land certificate, land certificate ownership confirmation, mortgagor's husband and wife ID card, marriage certificate and original household registration book. Specific processing procedures:
1. Go to the local appraisal agency to appraise the land value.
2. Apply for land certificate mortgage loan from the bank and fill in the application form.
3. The bank staff shall examine and approve the materials submitted by the borrower and visit the mortgaged land on the spot.
After the approval of the bank, the loan will be issued.
5. The borrower repays the loan according to the contract. Land certificate mortgage loan procedures with land certificate mortgage loan, the required information includes the original land certificate, the confirmation of land certificate ownership, the mortgagor's husband and wife ID card, marriage certificate, and a copy of the original household registration book.
Can rural land be mortgaged? How much can an acre of land be mortgaged?
In rural areas, land can be transferred or mortgaged. How much can an acre of rural land be mortgaged? What are the procedures and conditions? How many acres of rural land can be mortgaged? Under normal circumstances, the land value will be evaluated according to the remaining years at the time of mortgage. For example, Liu, a grain family farm in Wudang Town, Pei County, transfers land 124.5438+0 mu, and the transfer fee is 1000 yuan per mu per year. When a bank applies for mortgage of management rights, it will only determine the value of its management rights as 280,000 yuan after a transfer period of more than two years, and issue a loan of 200,000 yuan after a 30% discount.
In fact, there is no specific standard. There is a gap between the laws and regulations of banks, and whether the value of local land is worth the money. If an acre of land is rented in 500 yuan every year, and the value of the second round 10 contract is 5,000 yuan, then the mortgage loan is between 3,000 yuan and 4,000 yuan. In addition, the object of rural land management right mortgage loan is organizations or individuals engaged in agricultural production and operation. What are the procedures and conditions of rural land mortgage loan? If the land is located in the land confirmation area, there must be a rural land contractual management right certificate or a rural land contractual management right certificate; If the land ownership has not been completed, the procedures for land contracting or transfer must be legal and standardized.
The agricultural use of this land has not changed. The collective economic organization of the village where the mortgaged land is located and the outflow party agree to mortgage when the loan cannot be returned. Submitted materials: standard and effective land contract, transfer agreement entrusted by farmers, explanatory materials, original and photocopy of applicant's ID card, land contractor's consent to mortgage and other materials required by the loan bank. Investigation and approval. After the information is submitted, the lending bank will conduct investigation and approval. Sign the contract. After approval, it is necessary to sign a mortgage loan contract and go through the mortgage registration procedures. After all the operations are completed, you can wait for the bank to lend money. Land mortgage loan must be within the remaining contract period, and the loan period varies from place to place. You can consult the local authorities for details.
Generally speaking, rural property rights trading centers have been established in land loan areas, where loan applications can be submitted; If there is no such institution in the local area, submit it to the relevant bank according to local requirements; The mortgage period of rural land contractual management right shall not exceed the remaining period of rural land contractual management right. Due to the relatively high risk and turbulence of agricultural operation, the loan period is relatively short. Generally speaking, the term of mortgage loans for rural land management rights in various places is one year, in principle, not more than three years. It can also be used in personal areas of 5- 10 years old and above.
Rural land mortgage loan, how much can an acre of land be mortgaged?
In rural areas, besides planting and breeding, land can also be transferred and mortgaged. How much can one acre of rural land be mortgaged? What are the processes and conditions?
1. How much can one acre of rural land be mortgaged?
Under normal circumstances, the land value will be evaluated according to the remaining years. For example, Liu, a grain-growing family farm in Wuduan Town, Pei County, transfers land 124. 1 mu, and the transfer cost is 1 10,000 yuan per mu per year. When the management right is mortgaged, the transfer period is only over two years. The bank determined that his total management right was 280,000 yuan, and after a 30% discount, he issued a loan of 200,000 yuan.
In fact, there is no specific standard for this. There is a gap between banks and regulations, and the local land value is worthless. If the rent for contracting an acre of land in the second round is 10 year, and it is 5,000 yuan per year in 500 yuan, then the mortgage loan is almost 3,000-4,000 yuan.
In addition, the object of rural land management right mortgage loan is organizations or individuals engaged in agricultural production and operation.
2. What are the procedures and conditions of rural land mortgage loan?
Conditions:
1. The land is located in the area where the land is confirmed, and there must be certificates such as rural land contractual management right certificate or rural land contractual circulation management right certificate;
2 unfinished land ownership, the need for land contracting or transfer procedures of legal and standardized behavior;
3. The agricultural use of the land has not changed;
4. The collective economic organization of the village where the mortgaged land is located and the outflow party agree to mortgage when the loan cannot be returned.
Process:
1. Submission materials: standardized and effective land contract, farmer's entrustment transfer agreement, explanatory materials of annexes, original and photocopy of the applicant's ID card, opinions of the land contractual management right holder on the mortgage, and other materials required by the loan bank.
2. Investigation and approval
After the materials are submitted, the lending bank will conduct investigation and approval.
sign a contract
After approval, it is necessary to sign a mortgage loan contract and go through the mortgage registration procedures. When everything is ready, you can wait for the bank to lend money.
In addition, we should remind everyone that the mortgage loan with land must be in the remaining contract period of the contract period, and the loan period varies from place to place. Please consult the relevant local departments for details.
How much can an acre of rural land loan cost?
Legal subjectivity:
The amount of the loan is mainly based on your land area and local land price. The specific loan amount can be determined by the bank after being evaluated by the local formal evaluation agency. Procedures for handling state-owned land use certificate: accepting application materials, reviewing materials, calibrating and registering, and issuing certificates. The applicant (user) for land registration shall apply to the Bureau of Land and Resources with relevant materials proving the source of land ownership. 1. application for land registration (1) the government's approval document on the origin of the parcel, and the construction land permit. Submit the relevant land ownership materials that are effective in the operation procedures such as bidding, auction and agreement of state-owned land use rights. (2) If the land use right is obtained by buying, selling, inheriting or donating, the agreement on the transfer of land use right, notarial certificate and state-owned land use certificate of the original land shall be submitted. (3) Submit the ID card and residence booklet of the land registration applicant. Land users of enterprises and institutions shall submit the legal person land registration certificate, organization code certificate and legal person ID card. 2. Cadastral survey shall investigate, verify and measure the land of the land registration applicant, and draw a plot sketch and a red line map. Find out the location, ownership nature, boundary, area, use and related information of land users. It also requires that the boundaries of neighbors around the parcel be clear and uncontroversial, and be signed and sealed after confirmation. 3. Review of land ownership The land registration authority shall review the land registration application, ownership source materials and cadastral survey results submitted by land users, and decide whether to approve the legal procedures for land ownership registration of users who apply for land registration. 4. Land certificate is the certificate of state-owned land use right.
Legal objectivity:
Article 10 of the Constitution of People's Republic of China (PRC) City's land belongs to the state. Land in rural areas and suburban areas belongs to the collective, except that it is owned by the state according to the law; Homestead, private plots and private hills are also collectively owned. In order to meet the needs of public interests, the state may expropriate or requisition land in accordance with the law and make compensation. No organization or individual may occupy, trade or illegally transfer land in other forms. Land use rights can be transferred in accordance with the provisions of the law. All organizations and individuals that use land must make rational use of land.