1. Can I borrow a house with only a land use certificate?
Housing with state-owned land certificates can be loaned, but because state-owned land is divided into allocation and transfer. Although the allocated land can be loaned, some banks refuse to apply for loans for fear of trouble, but only deduct the payment fee, and the amount is very small.
If it is state-owned land transfer, the policy can definitely be loaned. However, banks have different perspectives and need to communicate with them.
Second, what is the process of handling mortgage loans for land use rights?
(1) mortgage registration shall follow the following procedures:
1, the certificate of consent to mortgage issued by the collective land owner;
2. Assess the land price of the mortgaged land use right;
3. Confirm the land appraisal results;
4. Both parties to the mortgage sign a mortgage contract;
5. Apply for mortgage registration;
6. Review and registration;
7. issue a mortgage certificate.
(2) The mortgage of collective wasteland land use right and collective land use right of township enterprises shall be subject to the consent of the collective land owner of the mortgaged land and a written certificate shall be issued.
If the collective land use right of township enterprises is mortgaged, the written certificate of consent to mortgage issued by the collective land owner includes: when the mortgage is realized, it is agreed to be compensated according to the land acquisition standards stipulated by law and then turned into state-owned land; Whether the land acquisition fee is used as liquidation funds, etc.
The owner of collective land shall go through legal procedures in the village farmers' collective before issuing a written certificate agreeing to mortgage the collective land use right of township enterprises.
(3) Both parties to the mortgage shall entrust an appraisal institution with the qualification of land appraisal to appraise the land price of the mortgaged land use right, and the appraisal result shall be reported to the land management department for confirmation.
(4) If the collective land use right of township enterprises is mortgaged, the land management department should also verify the amount of land use right that should be paid when the mortgage is realized by auctioning the collateral.
(5) The mortgagor and the mortgagee shall, within fifteen days after signing the land use right mortgage contract, apply to the land management department for land use right mortgage registration with the following documents:
1, the certificate that the collective landowner of the mortgaged land agrees to mortgage;
2. Application for mortgage registration;
3. Identification certificates of mortgagor and mortgagee;
4. Mortgage contract;
5, confirmed by the land management department of land price assessment report;
6. Certificate of land use right;
7. Other documents that the land management department thinks should be submitted.
(six), after examination, does not meet the mortgage conditions, the land management department shall notify the mortgage parties in writing within fifteen days from the date of accepting the application.
(seven), after examination, in line with the mortgage conditions, the land management department for mortgage registration, to the mortgagee issued a certificate of mortgage of land use rights. In addition to recording the mortgage situation in the remarks column of the land registration card and land use certificate change of the mortgaged land, it should also record whether it is state-owned when the mortgage is realized; Rights and obligations of mortgagor, mortgagee and collective land owner when mortgage is realized.
Whether the house can be loaned is evaluated by the bank, not only the value of the property, but also the applicant's credit information. As long as you don't meet any of them, it is impossible to apply for a loan. Loans also take some time. The general loan will be issued to the applicant within one month after completion.