1. Can the rural land construction use certificate be mortgaged by a bank? How to calculate bank loan interest rate?

The confirmation of land rights is equivalent to issuing a "contract management right" to the agricultural land. The name and basic information of the owner of the rural land contract management right; the name and number of the rural land contract management right certificate; the term and start and end dates; and the location of the collective land for the rural land contract. (coordinates), land area, land use; and changes in rural land contract management rights and other information. Once the land rights are confirmed, it will undoubtedly give us farmers reassurance.

Confirmation of rights is a means. Instead of the purpose, the real purpose is to revitalize the land and awaken the huge amount of dormant capital. In accordance with the requirements of the Property Rights Law, the usufructuary rights of land contract management rights should be confirmed to open channels for farmers to obtain property income through equity participation, mortgage, and guarantee.

In the past, rural property could not be mortgaged, and farmers’ loans could only be obtained through joint households, which became the biggest obstacle. Experts said that in the future, farmers’ land can be financed and mortgaged by banks just like urban residents’ properties. In the future, the "Land Contract Management Right Certificate" will be the same as the "Real Estate Certificate" in the city. When farmers need a mortgage loan for development funds, the interest rate will be the same as the mortgage loan interest rate~

2. How much is the interest rate on home construction loans

Due to the different policies implemented in different places, rural self-construction loans and their interest rates are naturally different. However, in general, the amount of rural home construction loans will be based on the self-owned operating conditions. , income level, creditworthiness, etc., it will not exceed 50% of the total housing construction funds. In principle, the loan period is controlled within 5 years.

For short-term loans, six-month interest is within (inclusive). 5.60, the interest for six months to one year is (inclusive) 6.00, the interest for one to three years is (inclusive) 6.40, and the interest for more than five years is 6.55.

Currently, rural credit cooperatives have the right to raise or lower loan interest rates based on the borrower's situation. Rural credit cooperatives have made timely adjustments to the interest rates of RMB deposits at each level, rising to the top at one time (i.e., rising by 10), which is the benchmark interest rate set by the People's Bank of China. 1.1 times. The lower limit of the rural credit cooperatives’ loan interest rate is 0.9 times the benchmark interest rate. Since this year (2018), the central bank has made a second adjustment to the benchmark interest rates and floating space for RMB deposits and loans of financial institutions. The deposit interest rate of the province’s rural credit system remains unchanged. 10 above the adjusted base interest rate. The above prices are from the Internet and are for reference only. The specific price is subject to the time of purchase.

ICBC self-build house loan application conditions:

1. The houses to be built are reasonably designed, can be listed and traded, have strong liquidity, and can be mortgaged.

2. The land for building houses must be obtained through paid transfer, and the borrower is state-owned land.

3. The house to be built has obtained the project approval document from the relevant department, and the procedures are legal, complete, true and valid.

4. The borrower (applicant) has obtained the "State-owned Land". "Use Certificate", "Construction Land Planning Permit", "Construction Project Planning Permit" and "Construction Project Construction Permit" and other construction documents.

5. The borrower has paid all the land payment and obtained. Land payment receipt.

6. A construction project budget and construction progress plan for self-built housing.

7. The houses built have no property rights.

How many years can a self-built house provident fund loan be borrowed?

It is understood that the term of a self-built house provident fund loan is: the number of years from the date of application to the borrower's statutory retirement age, the longest is not More than 20 years. If you want to know the specific loan period for self-built houses in rural areas, you can also consult the relevant departments.

The loan limit is within 70% of the assessed value of the self-build house. If only one of the borrower and other parties meets the loan conditions or there is no spouse, the maximum loan limit for the self-build house is not more than 70%. More than 210,000 yuan.

The above is the relevant content shared by the editor about the interest rate of self-built house loans. For more information, you can pay attention to the construction industry to share more useful information

3. Rural land loan interest How to calculate?

The one-year term is: principal interest rate;

Early repayment: actual number of days/365 principal interest rate;

The specific loan interest rate can be inquired at the bank. Generally, it floats on the base interest rate.

4. Can we borrow money in rural areas now? How much can we borrow? What procedures are required and is there any interest?...

Loan conditions: When applying for a loan, the borrower should have a product with a market , production and operation are profitable, do not misappropriate credit funds, abide by credit and other basic conditions, and must meet the following requirements: 1. Have the ability to repay principal and interest on schedule. The original loan interest payable and due loans have been basically repaid; if they have not been repaid, a repayment plan approved by the lender has been made; 2. Except for natural persons and institutional legal persons that do not need to be approved and registered by the industrial and commercial department, annual inspection procedures should be completed by the industrial and commercial department ; 3. Have opened a basic account or general deposit account with a loan club, and keep a certain amount of payment deposit in the account; voluntarily accept the credit and settlement supervision and inspection of the loan club, and be able to ensure regular business reports to the loan club; plans and related business and financial statements; 4. Those applying for guarantees and mortgage loans must have loan guarantors, loan collateral or pledges that meet the regulations. The loan guarantor must be an enterprise or economic entity that has a deposit account in a rural credit cooperative and has good economic benefits and credit standing. Loan collateral must comply with the "Guarantee Law of the People's Republic of China" and relevant laws and regulations. In principle, it should be mainly real estate (such as houses, land), must be commercial, and be easily liquidated. 5. The borrower’s asset-liability ratio shall not be higher than 70%. 6. When applying for loans for fixed assets, real estate and other projects, the borrower's owner's equity and self-raised funds ratio must meet the requirements stipulated by the State Council, and complete, standardized and valid documents must be submitted in accordance with project management requirements. 7. Except for the provisions of the State Council, the cumulative amount of external equity investments of limited liability companies and joint-stock companies shall not exceed 50% of their net assets; 8. The borrower must apply for a loan card in accordance with the regulations of the People's Bank of China and undergo annual inspection procedures as required.