No loans. Banks can't lend, and even private loans don't recognize this kind of house. Because private lending now requires something that can be mortgaged, houses with use permits do not have independent real estate licenses and cannot be registered as mortgages, so they cannot be used for loans.
Second, can't the real estate license handled by the collective land use certificate be loaned? You can borrow it if you can. ...
30 thousand yuan to 40 thousand yuan
How much can I borrow for a 3.50-mu collective land use certificate?
Collective use certificate of 50 mu of land, depending on the value of 50 mu of land, he should be able to get100000, right?
Now that the collective land has a real estate license, farmers can get the real estate license on the collective land. Well, land can be mortgaged. According to the latest development in the State Council, well, we have reformed the land, and now we have changed the land into a system of confirming the right, so that farmers can use their own land to borrow money.
4. Can the collective land use certificate be loaned?
Legal analysis: rural collective land use certificate can not be used for loans. Therefore, it is impossible for villagers to use collective land use certificates as mortgage loans, and they can only consider other mortgages. In addition, it needs to be clear that not only farmers' collective land use certificates can not be loaned, but also homestead and hilly land can not be loaned.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 398 The right to use the construction land of township enterprises shall not be mortgaged separately. Where buildings such as factories of township enterprises are mortgaged, the right to use the construction land occupied by them shall be mortgaged together.
Article 399 The following properties may not be mortgaged: collectively owned land use rights such as cultivated land, homestead, private plots and private hills. Except as provided by law, houses on collective land shall not be mortgaged.