50% of the valuation. The property right of the factory is only 40 years, and the mortgage loan of the house can reach 60% of the appraised price. If the industrial plant is used as collateral, it can only reach 50% of the assessed price. Factory building refers to a development platform that is uniformly planned in the specified area, has the characteristics of universality, compatibility and intensification, and mainly provides production and business premises for the agglomeration and development of small and medium-sized industrial enterprises and foreign-invested industrial projects.