Refers to the legal act that the debtor guarantees the performance of the debt with the land use right. Land mortgage is the most basic form of real estate mortgage, which is generally carried out through land contracts. The essence of mortgage is a kind of security interest subordinate to the creditor's right, that is, a kind of security interest that guarantees the creditor to repay the debt with the property of others.

Land mortgage means that the debtor or the third party takes property rights as the guarantee to fulfill the debt. Its essence lies in providing intermediary form and material guarantee for creditor's rights relationship and maintaining the legitimacy and effectiveness of property.

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Loan process 1. First of all, the estimated total value of collateral should be calculated according to the loan amount to be applied and the mortgage rate promised by the bank (loan amount/collateral evaluation value).

2. Consult the real estate appraisal agency for the highest appraisal unit price that can be achieved in the appraisal of the target collateral, and then divide the total appraisal calculated in the first step by the highest appraisal unit price to calculate the required collateral area.

3. According to the collateral area calculated in the second step above, first draw the land area that meets the conditions of bank mortgage loan on the CAD plan.

4. Take the regional map of mortgaged land drawn by yourself in the third step, and then go to the Cadastral Division of the Bureau of Land and Resources to conduct land mapping and draw a mortgage mapping map.

5, according to the mortgage surveying and mapping situation to the real estate appraisal agencies to assess, issue an assessment report.

6. Go to the Cadastral Section of the Bureau of Land and Resources with the appraisal report and relevant company documents (business license, organization code certificate, etc.). ) mortgage registration, fill in the maximum mortgage loan contract, provide the bank with the loan application and the resolution of the shareholders' meeting (or the resolution of the board of directors) that the company agrees to mortgage the target plot.

7. Fill in the maximum mortgage loan contract, provide relevant information as required by the bank, and then wait for the bank to lend money. At this point, the whole mortgage loan procedure is basically completed.

References:

Baidu encyclopedia-land mortgage loan