Conditions of mortgage loan for land contractual management right: 1. The right to contracted management of rural land must be obtained in accordance with the law and have legal and effective proof of ownership; 2. The property right relationship of the land contractual management right shall be clear and conform to the relevant laws, regulations and policies of the state; 3. Rural land that meets the mortgage conditions and has sustainable production capacity, such as fruit farms, forest farms, farms and agricultural planting bases; 4. Land management has not changed agricultural use.
2. Can the contracted management right of rural land in Beihai, Guangxi be mortgaged?
The right to contracted management of land obtained by household contracted management shall not be mortgaged. Judicial interpretation of the Supreme Law on land contracting Article 15 A contractor mortgages or pays off debts with his right to contracted management of land, and if the parties are at fault, they shall bear corresponding civil liabilities. 2. The contracted management right obtained through bidding can be mortgaged.
Three. What are the conditions for mortgage loan of land contractual management right?
The conditions of mortgage loan are: (1) there must be certificates such as rural land contractual management right certificate or rural land contractual circulation management right certificate; (2) The procedures for contracting or transferring land are legal and standardized; (3) The agricultural use of the land has not been changed; (four) the village collective economic organization and the outflow party where the mortgaged land is located agree to mortgage and dispose of the loan when it cannot be returned. Information to be provided: 1. Provide a standardized and effective land contract, which is transferred by the rural collective economic organizations in a unified way, with a farmers' entrustment transfer agreement; 2. The original and photocopy of the applicant's ID card; 3. Explanations of the above-ground (including underground) attachments; 4. The land contractual management right holder agrees to mortgage; 5. Other materials required by the lending bank. Loan process loan application → loan investigation → loan approval → signing mortgage contract → handling mortgage registration procedures → loan issuance → post-loan inspection → loan return. Loan amount: At the time of mortgage, the bank will evaluate the land value according to the remaining years. The regulations of the bank and the bank are different, depending on whether the local land value is valuable. If the second round of contracting land rent of one mu 10 year, the rent of one mu per year in 500 yuan is worth 5,000 yuan, then the mortgage loan is about 3,000-4,000 yuan.
4. Can the rural land contractual management right certificate be loaned?
You can borrow money; The mortgage loan of rural land contractual management right refers to the loan business that the borrower applies to the Agricultural Bank with the rural land contractual management right and the ground attachments as collateral without changing the nature of land ownership and contractual rights and the agricultural use of rural land. The object of mortgage loan for rural land contractual management right is agricultural business entities such as large professional households, family farms, farmers' cooperatives, agricultural enterprises and family contracted farmers who rely on rural land for agricultural production and management.
In addition to meeting the basic conditions of the basic credit system and personal credit products of Agricultural Bank of China, the loan applicant should also meet the following conditions: (1) Having rich experience and technology in planting and breeding, in which the production and operation time of agricultural planting is not less than 2 years and the production and operation time of aquaculture is not less than 3 years. (2) The proportion of self-owned funds engaged in agricultural production and operation projects shall not be less than 30%.
(3) Field crop planting. The planting area of rice, wheat, corn, soybean and other food crops shall not be less than 100 mu, and the annual return area shall not be less than 50 mu; The planting area of cash crops such as cotton, vegetables and lotus root is not less than 50 mu. (4) Aquaculture. The intensive culture area of fish ponds and cages is not less than 50 mu, and the free-range culture area of lakes and reservoirs is not less than 500 mu.
(5) Facility agriculture and characteristic agriculture. Take greenhouses and other facilities for agricultural production and management, and engage in characteristic agriculture such as fruits, flowers, seedlings and ginseng, with a planting or breeding area of not less than 5 mu. (six) to obtain the contracted management right of rural land for agricultural production and operation by household contract, the access conditions for planting or breeding area can be 50% of the standards in the third to fifth paragraphs above.