1. If you want to mortgage the rural land certificate, you need to go to the land evaluation unit for land evaluation; Then let the village collective and government departments issue certificates of consent to mortgage; Next, take the relevant information and apply for a land certificate mortgage loan at the bank; After the bank accepts it, it shall conduct examination and approval in accordance with relevant procedures; After approval, both parties sign a mortgage contract; Next, the two parties go to the real estate registration agency for mortgage registration; Finally, the bank issued the loan according to the contract, and the borrower repaid it in full and on time.

2. When handling rural land certificate loans, it should be noted that not all provinces carry out rural land mortgage loan projects. It's best to consult whether the bank can mortgage the rural land certificate before handling the loan.

3. Rural land mortgage usually refers to rural collective management construction land. The land for general loans must meet the market conditions and conform to the land planning and urban and rural planning, and there are proof materials that the employer agrees to mortgage. The applicant also needs to obtain the ownership certificate according to law, and the land can be mortgaged and registered, and there are no other rights that affect the liquidation of the disposal and the priority of the bank.

Second, how to mortgage collective land? What information do you need?

Collective land actually refers to the form of land ownership owned by working people, and many people may use land as a mortgage loan. Land mortgage is the most basic form of real estate mortgage, which is generally carried out through land contracts. How to mortgage collective land? Collective land mortgage loan

How to mortgage collective land?

1. General mortgage loans require clear property rights, meet the listing and trading conditions stipulated by the state, and can enter the real estate market. The unclear property right of many rural collective land houses is the main reason why village collective land houses can apply for mortgage loans.

2. Mortgage loan of land use right is the main way for real estate enterprises to obtain loans. After obtaining the right to use the development land, they can mortgage the land use right to a sum of money for development and construction, and return the funds through the pre-sale of commercial housing to repay the loan.

3 mortgage registration is based on the collective wasteland land use right registered by the land use right registration management department and the collective land use right of township enterprises, and other types of collective land use rights may not be mortgaged.

4, collective wasteland land use rights and rural enterprises collective land management rights registration, mortgage contract from the date of approval and registration. Without the mortgage registration of the land use right by the land management department, the land mortgage right is not protected by law, and the land use right cannot be disposed of as mortgaged property.

What information does the collective land mortgage loan need?

Where the collective land use right of township enterprises is mortgaged, the land management department shall also approve the amount of mortgage transfer by auction of collateral. The mortgagor and the mortgagee shall, within fifteen days after the signing of the land use right mortgage contract, apply to the land management department for land use right mortgage registration with the following documents:

1, the certificate that the collective landowner of the mortgaged land agrees to mortgage;

2. Application for mortgage registration;

3. Identification certificates of the mortgagor and mortgagee;

4. Mortgage contract;

5, confirmed by the land management department of land price assessment report;

6. Certificate of land use right;

7. Other documents that the land management department thinks should be submitted.

Third, how to mortgage collective land? What information do you need?

Land use rights can be mortgaged, but not all land use rights can be mortgaged. Mortgage loan of land use right is one of the main ways for real estate companies to obtain financing loans. Mortgage registration should be based on the registration of land use rights, so how to mortgage collective land? What information does the collective land mortgage loan need?

Land use rights can be mortgaged, but not all land use rights can be mortgaged. Mortgage loan of land use right is one of the main ways for real estate companies to obtain financing loans. Mortgage registration should be based on the registration of land use rights, so how to mortgage collective land? What information does the collective land mortgage loan need?

How to mortgage collective land

1. General housing mortgage loan requires that the property rights of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage. Many rural collective land houses cannot be mortgaged to banks, and the unclear property rights relationship is the main reason, but there are also some places that support rural collective land houses to apply for mortgage loans.

2. Article 182 Where a building is mortgaged, the right to use the construction land within the occupied area of the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together. If the mortgagor fails to mortgage together in accordance with the provisions of the preceding paragraph, the unsecured property shall be deemed to be mortgaged together.

3. 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.

4. Article 184 The following properties may not be mortgaged: land rights, cultivated land, homestead, private plots, private hills and other collectively owned land use rights, except those that can be mortgaged according to law.

5, kindergartens, hospitals and other institutions, social organizations, facilities, medical and health facilities and other public facilities, the right to use unknown or controversial property, property sealed up or detained according to law, and other property that cannot be mortgaged according to laws and regulations.

What information does the collective land mortgage loan need?

1, land registration application;

2. Land use certificate;

3. Business licenses (organization code certificates) and qualification certificates of legal representatives of both parties to the mortgage;

4, legal persons or other organizations authorized to agree to mortgage, subject to the approval of the competent authorities, but also need to submit a written opinion of the competent authorities to agree to mortgage; Joint-stock enterprises need to provide resolutions of the board of directors or shareholders' meeting; To prove that the shares are owned by the shares, the mortgagor's share must be submitted; * * * and * * have properties, and the consent materials of other * * * owners shall be submitted; The property of Sino-foreign joint ventures, cooperative enterprises and joint-stock enterprises shall be reported to the board of directors for approval;

5. Loan contract, mortgage contract or pawn contract (guarantee contract and counter-guarantee contract are required for mortgage of guarantee company);

6, land assets appraisal report or land assets appraisal agreement;

7. Other materials required by laws and regulations.

In addition, if applying for entrustment, the power of attorney and the identity certificate of the trustee shall be provided.

The above is how to mortgage collective land. What information does the collective land mortgage loan need? The value of the mortgaged land may be assessed by the land appraisal agency or determined by both parties through consultation, but the secured creditor's rights shall not exceed the value of the mortgaged property. If the land value assessed or negotiated is obviously higher than the market price, the mortgage risk arising therefrom shall be borne by the mortgagee himself.

What information should I prepare to apply for land mortgage loan?

1, copy of business license of enterprise legal person (with original inspection) 2, certificate of legal representative 3, copy of ID card of legal representative (with original inspection) 4, power of attorney of enterprise legal person 5, copy of identity certificate of entrusted agent (with original inspection) 6, mortgage contract and loan contract of bank 7, original land use certificate (with original inspection) 8, technical report and filing of land evaluation. Copy of bank business license 10, certificate of bank's legal representative, copy of bank's legal representative's ID card1,bank's power of attorney, copy of entrusted agent's ID card 12, copy of house ownership certificate 13, copy of certificate of other rights of house (original inspection provided)/kloc