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State-owned land use certificate loan
Can I get a loan with a land certificate?

Yes, you can.

Land certificate mortgage loan process:

1. Go to the local appraisal agency to appraise the house value;

2. Apply for land certificate mortgage loan in the bank and fill in the application form;

3. Bank staff review the materials submitted by the borrower and visit the mortgaged house in the local area;

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:

To mortgage a loan with a land certificate, the required materials include the original land certificate, the confirmation of the ownership of the land certificate, the ID card of the mortgagor and his wife, the marriage certificate and the original household registration book.

Extended data:

operation sequence/order

1. When the house and the land use right are transferred together, the original house purchase and sale agreement, house photos and land use certificate shall be submitted.

2. The house together with the inheritance and gift of the land use right shall be submitted with photos of the house, original land use certificate, notarial certificate or agreement signed by the user and street certificate.

3, the new housing land registration shall be submitted to the building approval of the land planning department.

4. If the land certificate is lost or damaged, the land owner shall timely file with the original issuing authority, apply for a new certificate, and make an announcement in the local newspaper. If there is no objection within 30 days from the date of announcement, the original land certificate shall be cancelled and renewed by the original issuing authority.

5. Division of sale, inheritance and gift must be handled by both parties at the bureau.

6. In addition to the above materials, the entrusted agent shall also provide a power of attorney signed and sealed by the principal.