First, state-owned allocated land can be mortgaged. When the state-owned allocated land is mortgaged, the effective mortgage guarantee rate shall not exceed 70% of the balance after deducting the supplementary transfer fee from the total assessed land price, that is, it shall not exceed 45% of the total assessed land price.

Two, the information and procedures required for the mortgage of land use rights.

Required information (in duplicate):

1, mortgage application (text provided by State Land Bureau);

2. Original and photocopy of the land use certificate;

3. Land evaluation report;

4. Proof materials and plan of ownership of the above-ground attachments;

5. When the mortgaged land is mortgaged again, the original certificate of other rights issued last time and the repayment certificate issued by the bank shall be submitted;

6. Mortgage contract and loan contract.

Three. Procedure:

The right to use the land, whether acquired through transfer or allocation, can be mortgaged if houses are built on the land. After the above materials are prepared, the undertaker will review them, report them to the leaders for approval, and issue mortgage licenses. The project unit may apply for a loan from the bank with the mortgage permit and sign a mortgage loan contract with it. After signing the contract, both parties go to the Bureau of Land and Real Estate to register the land mortgage, and the undertaker issues his right certificate to the mortgagee.

Recommend adoption

Second, can the land allocated for housing be loaned?

Meet the conditions. It is difficult to apply for loans for land allocation, and some banks do not accept land allocation. However, the allocated land can be converted into land transfer, but the land transfer fee needs to be paid, and the specific amount is calculated according to the local evaluation price.

If the bank can accept the allocated land loan, the loan information is as follows:

Id card, household registration book, marriage certificate, income certificate, bank account number, property certificate, land certificate, (married with husband and wife information)

Procedure 1: How to get a loan from the bank: Prepare the information. Individuals should first prepare the materials needed for the conditions of the bank, generally including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a mortgage customer, it is necessary to issue a certificate of property rights of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

Procedure 2: How to apply for a loan from the bank. After preparing relevant materials, customers can apply for loans at banks or law firms entrusted by banks. After customers submit relevant materials to the bank and pay various fees, they need to sign a loan contract with the bank as a legal document binding both parties.

How do individuals borrow money from banks? 3: Payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged.

Procedure 4: How to get a loan from a bank: Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register the mortgage in the bank for future inquiry; In addition, if the customer wishes, he can also entrust a law firm to handle insurance and notarization on his behalf.

Procedures for individuals to borrow money from banks 5: bank loans. After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Extended data

Houses with allocated land can be purchased. Land belongs to the allocation of houses, the first listing, it should also be real estate management. Paragraph 1 of Article 40 of the Urban Real Estate Management Law stipulates that if the land use right is obtained by allocation, it shall go through the procedures for transferring the land use right of the house and pay the transfer fee for the land use right in accordance with the relevant provisions of the state.

The buyer did not meet the requirements, and the Land and Resources Bureau refused to handle the transfer, resulting in the transaction not being completed. Enterprises basically do not meet the conditions for using allocated land. In principle, it is difficult to directly transfer the allocated land, which may be rejected by the Bureau of Land and Resources. By the time of transfer, buyers usually have paid most of the purchase price.

The house cannot be transferred, and the buyer can only choose through litigation, demanding to terminate the contract, recover the money already paid, and seek compensation if conditions permit. However, the outcome of the lawsuit depends on who is responsible for the transferability of the allocated land. The law does not directly stipulate that the judgment will depend on the evidence of the transaction details.