For many residents living in towns and villages, the land built by houses often belongs to collective land, so individuals have no property rights, only the right to use the land. Can the collective land certificate be loaned? Many people are interested in this topic, let's take a look!

Because the person who owns the collective land certificate has no independent property right to this land, only the right to use it, so he can't borrow money. In addition, according to relevant regulations, the sale or mortgage of collective land cannot be traded in the form of individuals. Because this kind of land is often collectively owned, if it is loaned, it will involve a wide range. In addition, the loan must meet the requirements of having independent real estate under its name, so the person who owns the collective land certificate does not have the loan conditions. But with the liberalization of the policy, some banks can use credit loans, but the loan amount is not very high.

Because the right to use collective land aims at the legitimate enjoyment of land by collective members, it is impossible to determine the ownership of property. In addition, collective land cannot be listed and traded, and its rental use is also strictly restricted, so it cannot be used for industrial construction. At the same time, this kind of land often belongs to state-owned land or collective property rights, so the houses built on this kind of land belong to small property rights houses and cannot be used for real estate licenses. Public property can't be mortgaged, so banks won't handle loans. If they want a loan, they can only use other collateral.

However, the ownership of the collective land certificate is allowed, but the buyer and the seller must belong to the same collective, that is, the same place, otherwise they cannot transfer ownership. In addition, if you can't apply for the land certificate, the completed house certificate can't be changed, which doesn't meet the requirements of the real estate department. At the same time, if the house has a land certificate, the buyer and the seller need to sign a paper contract in advance, then declare the price, and then go through a series of formalities at the relevant real estate department.

I hope the above answers are helpful to you.

Second, can rural self-built houses be loaned with collective property certificates?

Rural self-built collective property right certificates can also be used as real estate mortgage loans, but the value is low and the loans are few. Rural commercial banks have such business, mainly supporting agriculture and investing in farmers' agricultural production. The amount is small, and the risk borne by the bank is small. Other banks do not have this kind of mortgage, and the mortgage of small property rights is also controversial, so it is generally not handled.

Third, can the collective land certificate be loaned?

Almost impossible. Both the state and banks have regulations.

4. Can the collective land certificate be used for housing provident fund loans?

Can a house with a collective land certificate apply for a housing provident fund loan? Can it be used for provident fund loans? Condition: 1. Having legal and valid identity documents; 2. The deposit status is above (inclusive) and the credit is good; 3. Have a stable income and the ability to repay loans; 4. Have a legal and effective contract, agreement or certificate of real estate administrative ownership for the purchase of housing; 5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid; 6 construction, renovation, overhaul of housing, housing repair costs can be 30% of the total upfront costs; 7. Construction and renovation of houses and furniture; 8 overhaul housing, approved by the planning and management department; 9. Being able to provide effective guarantee recognized by the management center; 10. Relevant laws, regulations and procedures for handling rural collective land use certificates

I. Application

1. Individual villagers in rural areas shall apply to the land and resources management office of the township to which they belong and obtain an application form for land registration.

2. Submit a copy of personal ID card or rural resident's household registration book.

3, 2 years ago in May 14, submit the village and team ownership certificate; After1May, 98214th, submit the application for the use of rural housing and the approval of rural construction land. ).

Two, the survey by the township cadastral survey, cadastral survey, parcel signature and seal, fill in the cadastral questionnaire, drawing a sketch of the parcel.

Three, resource management audit, and then reported to the county land bureau audit, audit the legality of land materials, land boundaries are accurate.

Four, examination and approval in line with the principle of "clear land area, accurate boundary, legal ownership and uncontroversial", can be approved and published. Within one month after the publication, if no unit or individual is controversial, the county people's government will issue a collective land use certificate. What is collective land? It proves our land. Without private land, rural areas are generally collective land, with red-covered collective land use certificates. If the state-owned land is valuable, the reason is that it is bought and sold in the market:

1, according to the law, the transfer of land use rights is the transfer of houses. Moreover, the land of the house you bought is collective, and it is not allowed to buy or sell, but some places can also handle the situation by themselves.

Because of the sale of land, you have to pay a transfer fee for this collective before the transaction. The transfer fee of each place is different, and the same place is different in different locations, depending on whether the land is in the urban area or the suburbs, which belongs to several levels.

3. This land department has a division basis (

30、

40 yuan per square meter, 50 yuan, you can ask your land management department). As for the cost of the transfer fee, it depends on the negotiation between the buyer and the seller. Only after the state-owned land is changed in this way can it be registered for change, including the change of land nature and the change of land use right.