Developers can use it to mortgage loans to banks when applying for land use rights. In economics, according to the characteristics of industries, all industries can be divided into labor-intensive, technology-intensive and capital-intensive. Real estate is undoubtedly a capital-intensive industry, that is, an industry that needs to invest a lot of money in the short term. A real estate company often only has dozens of employees, but it needs at least 100 million yuan. These funds are mainly used in the following aspects: land price, compensation fee and project payment. Where did such a large sum of money come from? Usually, developers have limited funds and must raise funds in a certain way. Even if developers have enough funds themselves, sometimes in order to avoid risks, they don't use their own funds to raise funds in the same way. The main channel of financing is to borrow from banks, but the necessary condition for obtaining loans is to provide qualified guarantees. The collateral that developers can provide and banks can easily accept is the right to use state-owned land, which is the most important collateral. Therefore, it is not unusual for buyers to see that the land use right is mortgaged during the audit. Generally speaking, the operating procedures of obtaining loans by mortgage guarantee of land use rights are: mortgage, financing, real estate sale and repayment. It should be said that the market economy needs the high-speed operation of funds, and developers should not be accused of using funds reasonably and legally. The use of funds in real estate development constitutes a capital chain, and a benign capital chain is conducive to the healthy development of the real estate industry and even the whole society. On the other hand, it is unreasonable and unwise to require real estate development enterprises to deposit a large amount of funds before real estate development. Legal relationship should be a reasonable reflection of economic relationship. Therefore, the government should focus on developers' mortgage behavior rather than blocking it; Similarly, as buyers, the mortgage behavior of developers should focus on prevention rather than fear. As buyers, it is necessary to know the legal knowledge of real estate mortgage to prevent the risks brought by developers' land mortgage behavior.

Where can I get a loan for my own house?

Banks that support the application for housing mortgage loans can apply for loans for self-built houses, but not all self-built houses can apply for loans. For example, self-built houses in rural areas are self-built houses with small property rights, and no matter which bank can apply for loans. If you are building a house in the urban area and the nature of the land is commercial land, then you can apply for a self-built house loan at the bank.

In addition, the regulations in each region are different. Please refer to the loan regulations of the local bank.

Extended data:

What are the loan conditions and procedures for self-built houses?

First, self-built housing loan conditions

First of all, the borrower must be a natural person with full civil capacity, aged between 18-60 years old. Moreover, the borrower's domicile or business premises are located in the service area of the loan bank. In addition, to apply for rural self-built housing loans, the following conditions must be met:

(1) The house pre-built by the borrower shall be approved by the rural urban construction department;

(2) The borrower must have not less than the prescribed self-owned funds;

(3) The borrower has good credit standing and has the ability to repay the loan principal and interest on time;

(4) The borrower can provide relevant guarantees of units or individuals with repayment ability, or can provide effective assets that meet the requirements of the bank as collateral.

(5) The borrower must obey the credit management and settlement supervision of banks or credit cooperatives;

(6) Other conditions stipulated by banks or credit cooperatives;

Second, the interest rate of self-built house loan depends on the bank interest rate you choose. Generally speaking, the benchmark interest rate of central bank loans is the guiding interest rate for banks and rural credit cooperatives, and rural credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation. The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate, and the maximum floating coefficient is 2.3 times of the basic loan interest rate. Loans for self-built houses vary according to the types and duration of loans, and are also related to the scarcity of loan funds.

Third, the loan amount for self-built houses.

The amount of rural housing loans should be determined according to free operation, income level and credit degree, and generally not more than 50% of the total housing funds.

Four, self-built housing loan period is determined according to the borrower's own business situation, in principle, controlled within five years.

Verb (abbreviation of verb) self-built housing loan process

Application → pre-loan inspection → approval → signing loan contract → issuing loan → filing data → post-loan management → repayment → cancellation of mortgage.

(1) The loan owner first applies for a loan certificate from the local rural credit cooperative;

(2) After receiving the application, the rural credit cooperatives will evaluate the credit rating of the applicant, and according to the evaluated credit rating, verify the credit loan amount of the corresponding grade, and issue the loan certificate;

(3) When farmers need micro-credit loans, they can apply to rural credit cooperatives with loan vouchers and valid identity documents;

(four) rural credit cooperatives should review the purpose and amount of loans when accepting loan applications, and issue loans after passing the examination;

Six, self-built housing loan procedures

(1) The identity certificate (married) and household registration certificate of the borrower and spouse and the borrower's marriage (divorce) certificate;

(2) Proof of use of housing loan; Basic information of the guarantor and relevant certification materials, valid certification materials such as the property right of the mortgaged property, etc. ; Other materials prescribed by rural credit cooperatives;

Can I apply for a mortgage loan in the bank to buy commercial land?

Property mortgage requirements:

Our bank accepts commercial houses and commercial houses with clear property rights and strong liquidity as collateral.

Prompt that the following conditions must be met:

The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage loans do not accept off-site collateral.

(2) Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;

(3) The property right has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no unfavorable liquidation situations such as property right disputes;

(4) Strong liquidity, intact real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management, etc., without problems and defects, which are not within the scope of government planning;

⑤ If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit term plus the house age is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan/credit term plus the age of the house is not more than 30 years in principle.

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral;

Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.

Can land use certificates be used for loans?

Yes, you can.

Land certificate mortgage loan process:

1. Go to the local appraisal agency to appraise the house value;

2. Apply for land certificate mortgage loan from the bank and fill in the application form;

3. The bank staff shall examine and approve the materials submitted by the borrower and visit the mortgaged house locally;

After the approval of the bank, the loan will be issued.

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

Land certificate mortgage loan procedures:

To mortgage a loan with a land certificate, the required materials include the original land certificate, the confirmation of the ownership of the land certificate, the ID card of the mortgagor and his wife, the marriage certificate and the original household registration book.

Extended data:

operation sequence/order

1. If the house and the land use right are transferred together, the house purchase and sale agreement, house photos and the original land use certificate shall be submitted.

2. If the house is inherited and donated together with the land use right, a photo of the house, the original land use certificate, a notarial certificate or an agreement signed by the user and a street certificate shall be submitted.

3, the land registration of new houses should be submitted to the building approval of the land planning department.

4. If the land certificate is lost or damaged, the land owner shall timely file with the original issuing authority, apply for a new certificate, and make an announcement in the local newspaper. If there is no objection within 30 days from the date of announcement, the original land certificate shall be cancelled by the original issuing authority and renewed.

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

6. In addition to the above materials, the entrusted agent shall also provide the power of attorney signed and sealed by the principal.