1. My family has a tea plantation with an area of more than 1, square meters. Can I borrow money from the bank as collateral? If ...

the money in the bank is not so easy to get, people have to check whether you have the repayment ability, and borrowing money from the bank has to be examined and approved layer by layer, which is almost harsh. Don't listen to those advertisements. If it is so easy, the bank's money has been cheated out of 15. To be honest, if your friends can't get it together, either you have a bad reputation or they don't have a heart-to-heart relationship with you.

Second, there is a tea mountain. 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 to pay 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. Type 1 of the property that cannot be mortgaged: the property with outstanding loan; Such a property is generally mortgaged or in the state of mortgage, and the bank already owns other rights of the property and is in the process of mortgage, so it cannot apply for a mortgage loan again. Type 2: partially purchased public houses; This is a purchased public house that cannot provide a purchase contract or purchase agreement; The other is a central delivery room that cannot provide the listing certificate of the central delivery room. Type 3: affordable housing under five years; Refers to the relocation of housing according to the management of affordable housing, or purely affordable housing, less than 5 years is not allowed to be listed and traded, so you can not do mortgage loans. Type 4: Small property houses without property right certificates. This kind of real estate can't be listed and traded, and it can't be mortgaged to the Construction Committee, and it is even more impossible to apply for mortgage consumer loans. The information that the mortgagor should provide: 1. The written application and relevant certificates of the mortgagor's consent to mortgage; 2. Qualification certificate of the mortgagor; 3. Proof of ownership (or disposition right) of the mortgaged property; 4. Basic conditions of collateral; 5. Other relevant materials. Note: When refinancing, all loan costs must be considered, including not only interest, but also handling fees and points. If you want to save money, you can ask about no-cost refinancing. Most of the expenses in this way have been calculated in the loan. Due to the fierce competition in the mortgage market, today's lenders should be the first choice for refinancing. In order not to lose business, lenders will provide loans on the most favorable terms in the market. If you think that the interest rate will not fall, you may wish to lock in the interest rate of the loan. Lock in the interest rate and protect your own interests when the interest rate rises. However, it should be noted that both downward floating interest rate loans and locked interest rate loans have to pay handling fees.