Collective land refers to the land collectively owned by farmers, so it is also called the land collectively owned by working people. Collective land is a form of land ownership in China. So can collective land be loaned? Let's take a closer look with Bian Xiao.

Can collective land be loaned?

1. Under normal circumstances, it is difficult for collective land to obtain loans from loan banks, but only from local guarantee companies. Because banks need lenders to provide real estate licenses and land use certificates to make loans. The guarantee company shall decide whether or not to lend according to the lender's credit, economic situation and assets.

2. The state has not stipulated and approved the circulation of collective land for the time being, so collective land cannot be listed for sale. However, loan banks generally only approve some very stable and safe loans, so it is generally difficult for collective land to obtain bank loans through examination.

3. If the bank lends money to the owner of the collective land, but does not sell the collective land, and there is a house on the collective land, it will be difficult for the bank to sublet the collective land to others, so the lending bank generally will not take such a big risk to lend money to the owner of the collective land.

4. According to the relevant provisions of China's security law, collective land that meets the following conditions cannot be loaned:

(1) collective land ownership.

(2) The land use right of township enterprises shall not be mortgaged separately.

(3) Cultivated land, homestead, private plots and private hills.

(four) the ownership and use right of collective land is unknown or controversial.

(5) Collective land sealed up according to law.

5. However, collective land that meets the following conditions may apply for loans:

(1) The land use right of collectively owned barren hills, gullies, hills and beaches contracted by farmers with the consent of the employer.

(two) to the township (town) village enterprises and other buildings as collateral, the collective land use rights within the scope of the enterprise factories and other buildings are mortgaged at the same time.

The above is a detailed introduction about whether collective land can be loaned. Friends who want to borrow from collective land must know in advance whether the collective land they own can be loaned, and then prepare relevant materials before handling the loan.

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