Can I get a loan with a land certificate?

Yes.

Land certificate mortgage loan process:

1. Go to the local appraisal agency to evaluate the value of the house;

2. Go to the bank to apply for a land certificate mortgage loan and fill out the application Form;

3. Bank staff will review and approve the information submitted by the borrower and visit the local mortgaged house;

4. The bank will issue the loan after approval.

5. The borrower repays the money according to the contract.

Land certificate mortgage loan procedures:

To use a land certificate to mortgage a loan, the required information includes the original land certificate, proof of ownership of the land certificate, ID cards of the mortgagor and his wife, and marriage certificate , A copy of the original household registration booklet.

Extended information:

Processing procedures

1. For house transfer together with the transfer of land use rights, a house sales agreement, house license, and original land use certificate must be submitted.

2. If the house is inherited together with the land use right, the gift must submit the house photo, original land use certificate, notary certificate or agreement signed by the owner of the right to use it and street certification.

3. Land registration for new houses must be submitted to the land and planning department for building approval.

4. If the land certificate is lost or damaged, the land rights holder shall promptly file a record with the original certificate-issuing authority, apply for a new certificate, and make an announcement in the local newspaper. If there is no objection within thirty days from the date of announcement, the original land certificate will be canceled by the original land certificate and a new certificate will be issued.

5. Purchase, inheritance, and gift subdivision must be handled by both parties at the same time.

6. In addition to submitting the above information, the entrusted agent must also provide a power of attorney signed and sealed by the principal.