cannot

2. What is the mortgage rate of industrial land?

The highest mortgage rate of real estate is 70%!

The right to use residential construction land, commercial construction land and real estate projects under construction are all qualified collateral of the Bank. The mortgage rate ranges from 50% to 60%. The level of fixed mortgage rate is mainly based on the value of collateral (market value) and its changing factors, including the applicability, liquidity and changing trend of collateral value. The maximum amount of land use right as collateral varies from bank to bank, and our system is within 56% of the assessed value.

The land mortgage rate refers to the ratio of the loan amount that can be obtained by land mortgage loan to the land evaluation price.

Specifically, the mortgaged land is appraised by the appraisal agency designated by the bank, and the loan issued by the bank cannot be higher than the corresponding percentage of the appraisal price (for example, if the mortgage rate is 60% and the appraisal price is 6,543,800 yuan, the loan amount cannot be higher than 600,000 yuan), so the mortgage rate directly determines the loan amount of the customer.

Three, industrial land mortgage loan provisions

Industrial land can be mortgaged, provided that the borrower owns the ownership of industrial land. Generally speaking, industrial land refers to factories, workshops, workshops, production sites, warehouse sites and other land independently established by enterprises. If the enterprise owns the ownership of this land, it can use this industrial land as collateral to apply for a loan. If an enterprise only leases or underwrites this industrial land, it can only apply for a loan if the right to use it has no ownership. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by banks in some countries. The borrower is required to provide a certain amount of collateral as a guarantee for the loan to ensure repayment when the loan expires. Collateral is generally an item that is easy to keep, wear and sell, such as securities, bills, stocks, real estate, etc. 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. What is the bank's policy on mortgage loans for industrial land shops? What are the loan conditions of mortgage loan: 1. Have a legal status; 2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record; 3. There is a legal and effective purchase contract; 4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid; 5. If a mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years; 6. Being able to provide effective guarantee recognized by the loan bank; 7. Other conditions stipulated by the legal basis of the loan bank "Land Management Law of the People's Republic of China" Article 11 Where a local people's government at or above the county level transfers the land use right for real estate development, it shall prepare an annual plan for the total area of land use right transfer according to the control indicators issued by the people's government at or above the provincial level, and report it to the people's government of the State Council or the province for approval in accordance with the provisions of the State Council. Article 9 of the Land Administration Law of the People's Republic of China: After the collectively owned land in the urban planning area is expropriated and converted into state-owned land according to law, the right to use state-owned land can be transferred with compensation, except as otherwise provided by law.

4. Can industrial land be mortgaged?

Hello, it is difficult for SMEs to get loans. Some enterprises want to use their industrial land as collateral to apply for loans from banks. Can there be many loans in this way? What is the specific mortgage loan for industrial land?

Industrial land can be mortgaged.

To know whether industrial land can be loaned, we must first know what industrial land is. Industrial land generally refers to the land used for factories, workshops, handicraft fields, slag (ash) yards and so on.

Industrial land can be used for loans, but there are conditions. Workers have land title certificates. If there is no house on the industrial land where they are located, if only one piece of land is contracted as industrial land, whether it is 10, 20 years or longer, this industrial land cannot be used for loans during this period, because we only have the right to use this industrial land.

Industrial land mortgage loan

If the industrial land meets the requirements and can be mortgaged, what should I do specifically?

1. First, evaluate the total value of the loan according to the loan amount to be applied and the mortgage rate promised by the bank (loan amount/assessed value of collateral).

2. Consult the real estate bank to evaluate the highest evaluation unit price that can be achieved, and then divide the total evaluation value of the collateral calculated in the first step by the highest evaluation unit price to calculate.

5. Go to an appraisal institution for appraisal and issue an appraisal report.

6. Relevant documents of bank loan personnel and the company (the industrial and commercial registration department handles mortgage registration, fills in the Application Form for Maximum Mortgage Loan Contract and the shareholders' meeting of the company agreeing to mortgage the target plot).

7. Fill in the maximum mortgage loan contract, and wait for the bank to complete the basic operation of the payment procedure after the bank requests the relevant information.

This is my answer. I hope I can help you and wish you a happy life!