Commercial land can be mortgaged, and the right to use commercial land can be mortgaged, but it has a fixed term.
Legal basis:
Article 395 of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of may be mortgaged:
(a) buildings and other land attachments;
(2) The right to use construction land;
(3) the right to use the sea area;
(4) Production equipment, raw materials, semi-finished products and products;
(5) Buildings, ships and aircraft under construction;
(6) means of transportation;
(seven) other property not prohibited by laws and administrative regulations.
The mortgagor may mortgage the property listed in the preceding paragraph together.
What is the proportion of mortgage loans for land use rights? What are the precautions for handling other warrants of housing?
What is the proportion of land use right certificate mortgage guarantee?
Considering the safety of loan repayment, the value load that can be mortgaged should be judged separately according to the specific rights of the mortgagor to land resources, and taxes and fees should generally be deducted.
(a) the transfer of land ownership to open a mortgage, and the reasonable mortgage guarantee rate shall not exceed 70% of the total assessed land price; If multiple mortgages are set by transferring land ownership with the same surname, the total mortgage guarantee liability shall not exceed 70% of the total land price of the land.
(2) When the state-owned allocated land is mortgaged, the reasonable mortgage guarantee rate shall not exceed 70% of the balance of the assessed total land price after deducting the land transfer fee, that is, it shall not exceed 45% of the assessed total land price.
(3) When the collective land use right certificate is mortgaged, the reasonable mortgage guarantee rate shall not exceed 70% of the balance of the total assessed land price after deducting the land transfer fee and land purchase fee, that is, it shall not exceed 30% of the total assessed land price.
(four) under the premise of compensation and resettlement, the operating land for real estate development is obtained by means of transfer, and the mortgage rate should be 70% of the land price due.
(5) When the real estate industry is connected with the mortgage, the land evaluation should be based on the real estate evaluation report provided by the mortgagor, and the real estate evaluation price is generally deducted from the meaning of land price to avoid the situation that the preferential invalid mortgage leads to the repayment safety factor.
(six) for the mortgagor with reliable credit evaluation, good economic benefits and strong ability to realize collateral, the mortgage rate should be appropriately increased, but the maximum shall not exceed 80%.
What are the precautions for applying for other housing warrants?
1. The buyer bought a new house in the development company and applied for a housing loan. Now the real estate license must be transferred to the existing house mortgage. If the pre-sale registration (mortgage of housing loan) of pre-purchased commercial housing is set with pre-purchased commercial housing, the housing registration agency (county real estate bureau) will change the pre-mortgage record into the quasi-existing housing mortgage record, and issue the Property Ownership Certificate to the mortgagee (bank loan).
2. The applicant brings relevant application materials to the provident fund management center to apply for the bid. After the examination and approval, the staff will show the "Housing Transaction Property Right Registration Hearing Form", which should be clearly and truthfully filled in and kept by the applicant.
3. During the period of obtaining the marriage certificate, the applicant should bring the examination form and his ID card (original and photocopy) to the property right payment dialog box to pay the fee. After the examination, he can obtain the marriage certificate in the property right certification dialog box. If he/she fails in the exam, he/she must wait for the notice again.
4. Applicants' standards must conform to the latest laws and regulations before they can apply for other house ownership certificates.
Is the bank taking his own house ownership certificate? Other warrants are for banks and are generally managed by financial institutions. Of course, some of them must be deposited with the Housing Authority. What are the precautions for applying for other housing warrants? It is not easy to handle other housing warrants, and there are many details to pay attention to. Therefore, when handling a case, you must think carefully and think clearly about the problems you don't understand, so that the case is not easy to happen.
Can the commercial complex be mortgaged?
Commercial complexes can be mortgaged.
You can get the land certificate of commercial comprehensive land, and banks can apply for mortgage loans. However, such land needs to be assessed first, and banks will give loans at a discount according to the assessed value.
Commercial complex is a multi-functional, high-efficient, complex and unified complex, which integrates more than three functions of urban living space such as business, office, hotel, exhibition, catering, conference and entertainment, and establishes a dynamic relationship of interdependence and mutual benefit among all parts.
How many years can a shop loan last?
1- 10 year. The current policy of loan term is 1- 10 years, and the interest rate is the same as the current policy of commercial loans. The loan ratio of normal commercial land is 50%, and the loan amount is not capped for the time being.
At present, individual banks can support 60% of the loan ratio of shops, and commercial housing is divided into the first suite and the second suite. In other words, even if the shop you buy is the first suite under your name, it is implemented according to this standard.
Shops mortgage is a kind of housing loan, which refers to the purchase of shops with loans from banks in the form of repayment of principal and interest in installments, generally with the purchased shops as collateral. The applicant's condition is that he has a legal and valid residence status and a contract or agreement to buy a shop. The longest mortgage loan period for general shops is 10 year.
If it is a first-hand shop, the maximum loan can be 50% of the contract price; If it is a second-hand shop, you can borrow 50% of the evaluation price.
Shop loan is a kind of commercial real estate loan, not personal housing loan, so you can't use provident fund loan. The purchase of shops can be commercial loans, and loans can be made to loan companies. If you have good conditions and can endure a long waiting time, it is recommended to buy a shop with a bank loan.
Application conditions
(1) Having a legal and valid residence status;
(two) there is a contract or agreement for the purchase of shops;
(3) Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule;
(4) There is a down payment of not less than 50% of the total price of the purchased store;
⑤ Agree to use the purchased shops as collateral or assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualification and sufficient compensation capacity as witnesses to repay the loan principal and interest and bear joint and several liabilities.
Required application materials
(1) The borrower's ID card (household registration book) or other valid proof of residence, and the married person also needs to submit personal proof of marital status;
(2) The loan applicant fills in the Application (Approval) Form for Commercial Housing Loan;
3 down payment voucher;
(four) the contract or agreement for the purchase of shops;
(5) Proof of the borrower's family property and income;
6. The identity certificate of the borrower;
⑦ Other information required by the bank.
The store pays 50% down. The term of mortgage loan for individual shops provided by banks shall not exceed 10 years at the longest. But some commercial project developers can help you pay a part, such as 30% down payment, and then another 20% developers can help you pay first, as long as you pay back the money within the specified time.
If you buy a first-hand shop, you can borrow up to 50% of the contract price; If it is a second-hand shop, you can borrow up to 50% of the evaluation price. This evaluation price is not necessarily the amount of your actual transaction, but depends on the amount of the loan you need and your ability to bear the relevant taxes.
Can I get a loan with a land use 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 from the bank and fill in the application form;
3. The bank staff shall examine and approve the materials submitted by the borrower and visit the mortgaged house locally;
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. If the house and the land use right are transferred together, the house purchase and sale agreement, house photos and the original land use certificate shall be submitted.
2. If the house is inherited and donated together with the land use right, a photo of the house, the original land use certificate, a notarial certificate or an agreement signed by the user and a street certificate shall be submitted.
3, the land registration of new houses should 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 by the original issuing authority and renewed.
5. Sales cases, inheritance cases and gift cases must be handled by both parties at the same time.
6. In addition to the above materials, the entrusted agent shall also provide the power of attorney signed and sealed by the principal.