Land certificates cannot be used for bank loans, and bank mortgage loans require real estate certificates, and there are attachments (real estate, factories, etc.). ) On land. 1. mortgage application conditions: nature of the house; Houses, office buildings, villas, commercial houses, houses, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years; , the mortgagor (normal age: 18-65 years old) is in good health; , the mortgagor has not participated in the credit investigation in the past 24 months; The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). ); , the actual use of funds is clear; 2. Preparation materials: the original and photocopy of the ID card and household registration book of the borrower and spouse (if single, single certificate is required); Certificate and copy of the marital status of the borrower; , family property, car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate); Statement of personal main bank account in the last 6 to 12 months (stamped with bank seal); , work unit income certificate; Proof materials such as family private lending; , evaluation report; Three. Process: submit materials → sign bank documents → house evaluation → bank approval → bank loan → mortgage registration → monthly repayment.
Land certificate mortgage loan process
Land certificate mortgage loan process: 1, go to the local appraisal agency to evaluate the land value; 2. Apply for land certificate mortgage loan from the bank and fill in the application form; 3, bank staff to review the information submitted by the borrower, and on-the-spot investigation of local mortgaged land; 4. The bank approves and issues loans. 5. The borrower repays the loan according to the contract. To mortgage a loan with a land certificate, the required materials include the original land certificate, the ownership certificate of the land certificate, the mortgagor's husband and wife ID card, marriage certificate and the original household registration book. Article 524 of the Civil Code: If the debtor fails to perform the debt and a third party has a legitimate interest in performing the debt, the third party has the right to perform it on his behalf; However, unless it can only be performed by the debtor according to the nature of the debt, the agreement of the parties or the law. After the creditor accepts the performance of the third party, its creditor's right to the debtor is transferred to the third party, unless otherwise agreed between the debtor and the third party. .
How to mortgage a loan with a land certificate?
First, the land must be sold.
First, you should first ask the bank to agree to give you a land mortgage loan; Second, the general land and resources bureau can have or link a land evaluation unit to evaluate the mortgaged land; Third, take the assessment report to the land department for mortgage registration. After passing the assessment, you will be issued with the Certificate of Other Rights of Land; Fourth, taking this certificate of other rights to the bank to handle loan matters requires a mortgage contract and a maximum loan contract. They are all signed and sealed, and they are waiting for payment.
As for what to do with what information, I'll tell you then.
The point is that someone in the bank must agree to give you a loan. In fact, the Land Bureau is not troublesome from the business point of view, but it must do its best, otherwise it will be very difficult.
When our unit does these things, I always follow suit. So I know.
Can the land certificate be mortgaged?
China implements the land registration and certification system, and the land certificate is a confirmation certificate, so the land certificate can be mortgaged. Specific process: first, evaluate the land value, and conduct it in the local evaluation bureau. Second, apply to the bank and fill in the corresponding form. Third, the bank examines the relevant materials submitted by the applicant and conducts on-the-spot investigation on the mortgaged land. Fourth, through examination and approval, loans are issued. Fifth, the lender repays the loan within the prescribed time limit.
Legal basis: Regulations for the Implementation of the Land Administration Law of the People's Republic of China Article 3 The state practices a 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.
The content of land registration and the style of land ownership certificate shall be uniformly stipulated by the land administrative department of the State Council.
Land registration information can be publicly inquired.
The confirmation of the ownership or use right of forest land and grassland, and the confirmation of the use right of water surface and beach culture shall be handled in accordance with the relevant provisions of the Forest Law, Grassland Law and Fisheries Law respectively.
How to mortgage the land use right
1. Obtain land use right certificate and land use planning permit 2. The average bank will give a 6% discount to the market price. After the bank agrees to lend money, it applies for mortgage registration 4. Land mortgage can be an enterprise legal person or an individual, but there can be no bad credit record. An enterprise as a legal person must have a copy of the industrial and commercial registration certificate, tax registration certificate, legal person code certificate and legal representative's ID card. Financial statements and other materials required by the handling bank. Personal loan with intransitive verb is relatively simple, just need the ID card and tax payment certificate of both husband and wife. Seven. There are many kinds of existing loans, and each bank operates in different ways, but I think if you can handle personal loans, you should not handle corporate loans, because the interest rate of personal loans is more favorable than that of corporate loans. Eight. Matters not covered can be discussed next time.