You can get the land certificate of commercial comprehensive land, and banks can apply for mortgage loans. However, such land needs to be assessed first, and banks will give loans at a discount according to the assessed value.
Can I get a loan to buy land?
Question 1: Can I get a loan to buy land? Loans are generally only for industrial and commercial land.
Question 2: It's hard to get a loan from the bank because you can't buy anything with a loan of 20 cents. There are two ways to coordinate:
1. Coordinate with the bank. If the land is purchased by loan, the land certificate will be mortgaged in the bank after it is processed. Before this, it is necessary to sign an agreement with the bank, that is, to ensure that the loan is used to purchase land, and to ensure that the certificate is delivered to the bank as collateral after handling the land certificate;
2. If the bank disagrees, it can only go through one more procedure and take the form of counter-guarantee. Find a guarantee company to help you apply for a secured loan from the bank. The procedure of the guarantee company is the same as the first one: sign an agreement to ensure that the land certificate will be delivered to the guarantee company as collateral after it is processed. If you find a guarantee company, you need to pay about 2% more to the guarantee company as a fee;
Question 3: Can individuals borrow money from banks to buy land now? Theoretically, yes, but it may be more troublesome. Generally speaking, there must be collateral:
Such as real estate, you must be able to successfully mortgage the red real estate license of the Land and Resources Bureau; Each bank has different restrictions on the age of the house, and it is generally safe not to exceed 10 years; Collateral needs to be evaluated first (there is an evaluation fee here, ranging from several hundred to several thousand yuan). Housing, commercial housing and factory buildings have different loan ratios. General housing is 70-80%, commercial housing is 5-6, and factory building is the lowest.
Time deposit certificate/national debt can also be used as collateral, and ordinary banks do not accept stock mortgage.
The right to operate can also be
Due to the different loan systems in different banks and regions, it is suggested that you go to the banking business hall or call the banking service hotline to explain your specific situation and consult a professional individual account manager.
Question 4: Theoretically, that bank can borrow money to buy land, but it may be more troublesome. Generally, there must be collateral: for example, real estate, Honglian real estate license that can be successfully mortgaged in the Land and Resources Bureau; Each bank has different restrictions on the age of the house, and it is generally safe not to exceed 10 years; Collateral needs to be evaluated first (there is an evaluation fee here, ranging from several hundred to several thousand yuan). Housing, commercial housing and factory buildings have different loan ratios. General housing is 70-80%, commercial housing is 5-6, and factory building is the lowest. Those certificates of deposit/government bonds can also be used as collateral, and ordinary banks do not accept stock mortgages. It is also possible that different banks and regions have different loan systems. I suggest you go to the banking business hall or call the banking service hotline to explain your specific situation and consult a professional personal account manager.
Question 5: Can I borrow money to buy land? Yes, what qualifications do you have?
You'd better check whether I can get a loan first, which should solve your problem.
Question 6: Can collective land be loaned? Generally speaking, no bank will lend you money. You come here to ask, in fact, you already know that this problem is difficult to solve, because our country has not approved the transfer of collective land for the time being, that is, it cannot be traded, so banks will basically not take this risk to give you money. In case ... the bank can't sell your land, and there is a house on your land. Even if the bank wants to rent your land to others, it is very troublesome. Nowadays, banks are listed companies, which only grant some very stable and safe loans, and there is a rule called lifelong responsibility system. Who do you think is willing to give you this loan? If something goes wrong, he will be responsible even if he retires! Your problem now is that the land cannot be transferred, so there is no possibility of actual transaction of the house! Therefore ... no bank should lend you money unless ............ and China pay attention to ........... relations! !
Question 7: Can banks borrow money to buy land? Of course, you can borrow money to buy land. Banks have a variety of loan projects, such as commercial loans and project loans. There are many banks that have no restrictions on the use of funds.
Question 8: Can rural homestead be loaned? If you go to the bank, you can't. Banks do not recognize rural homestead certificates, but now small loan companies or private lending have slowly expanded this business. You can continue to consult me if you don't understand anything.
Question 9: Can I get a loan to buy a house in a different place? You can handle it! If it is a commercial house, the developer will assist in the whole process! If it is a second-hand house, you can find an intermediary to handle it. The service fee shall not exceed 600 yuan's own convenience for bank consultation, and the formalities shall be handled according to state regulations. Personal housing mortgage loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing. When the lender issues a loan, the borrower must provide a guarantee, which can be mortgaged, pledged or guaranteed separately, or the above three methods can be adopted at the same time. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. Two. Loan process: The borrower submits the application and related materials-the bank accepts the investigation-the bank examines it-the two parties go through the relevant procedures-and the bank staff will conduct investigation and verification according to the process after receiving your application and materials for housing loan. If you meet the loan conditions, we will inform you to go through the formalities of insurance, notarization and mortgage registration at the agreed time and place, or the bank will handle it on your behalf. Both parties sign legal documents such as loan contract, mortgage registration contract, pledge contract or guarantee contract. After you repay the loan principal and interest according to the contract, we will return the mortgage (pledge) certificate and insurance documents of the house you purchased. Three. Borrower's conditions The applicant for individual housing loan shall be a natural person with full capacity for civil conduct and meet the following conditions: (1) The down payment shall not be less than the proportion stipulated by the bank; (2) Opening a deposit account in a bank; (three) there is a contract or agreement for the purchase of housing; (four) the borrower's age plus the loan period is generally not more than 65 years old; (5) Having stable professional income and the ability to repay the principal and interest of loans; (6) Having assets recognized by China Industrial and Commercial Bank as collateral, or units or individuals with sufficient compensatory capacity as guarantors; (7) Other conditions stipulated by the bank. 4. When the borrower submits the application approval form, please also provide the following information: (1) proof of identity (resident ID card, household registration book or other valid proof of residence); (2) proof of economic income; (3) A letter of intent for the contract and a house purchase contract that meet the requirements; (4) The down payment bank deposit slip and the copy of the down payment receipt issued by the developer; (5) List of mortgage or pledge, proof of ownership or right to use, and proof that the person who has the right to dispose of it agrees to mortgage or pledge; (6) Other documents or materials required by the bank. V. Term, amount and interest rate of the loan (1) Amount of the loan. The amount of personal housing loan shall not be higher than 80% of the value of the house to be purchased or the actual total purchase cost assessed by the real estate appraisal agency (whichever is lower); The maximum loan amount of individual commercial housing is 60% of the purchased house price (II) loan period. The term of individual housing loan can be up to 30 years; The maximum loan period for individual commercial housing shall not exceed 10 year. (3) loan interest rate. Individual housing loans shall be implemented in accordance with the interest rate of individual housing loans stipulated by the People's Bank of China; Personal commercial housing loans shall be implemented at the term interest rate stipulated by the People's Bank of China. If the deposit certificate or treasury bill is pledged by the intransitive verb repayment method (1), the individual housing loan can be issued within one year, and the principal and interest will be repaid at one time; (two) if the loan term is more than one year, the repayment method of equal principal and interest and the repayment method of average capital can be adopted. After you pay off the principal and interest of the housing loan, we will assist you to go through the cancellation registration procedures of the loan mortgage in the relevant departments, and return all the ownership certificates and pledges related to the mortgage and pledge to you. Seven. Mortgaged and pledged personal housing loans mainly include real estate and other things fixed on the ground independently controlled by the mortgagor, state-owned land use rights obtained by the mortgagor according to law, and other properties recognized by China Industrial and Commercial Bank; The pledge of personal housing loan mainly includes personal time deposit certificate (discount), national bonds, financial bonds, corporate bonds and so on.
Remember to adopt
The nature of land is commercial service. Can I mortgage it?
The nature of land is that state-owned commercial services can be mortgaged, as follows:
Take the land use right as the mortgage loan and the business enterprise (industrial and commercial license) as the lender to apply for the loan.
Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, land certificate, business license, tax registration certificate, income certificate, bank capital flow, evaluation report, etc.
The types of commercial housing land that can be supported by loans are as follows
Hello, dear, the land type of commercial housing that can be supported by loans is comprehensive land. This topic investigates the types of commercial housing land. Commercial housing includes street shops, commercial supporting houses in residential quarters, commercial and residential dual-use houses, office buildings, shopping centers and other large commercial properties. Commercial housing supported by loans must meet the following conditions: (1) The land use right occupied by commercial housing is state-owned, and the land type is commercial, commercial/residential or comprehensive.
How much can I borrow from a land certificate loan?
In response to your question, the loan amount with land certificate is mainly determined according to your land area and local land price. The specific loan amount needs to be evaluated by the local formal evaluation agency before the bank determines it. How much money can be loaned after land mortgage is mainly based on the production and operation situation, the actual capital demand and the evaluation value of the land contractual management right used for mortgage. The specific amount is determined by the loan bank according to a certain proportion of the evaluation value of the land contractual management right. In principle, the maximum amount shall not exceed 50% of the investment in agricultural production projects or 40% of the mortgage evaluation value, that is, the mortgage rate shall not exceed 40%.
Under normal circumstances, the interest rate of land certificate mortgage loan is 6% a year. The benchmark interest rate for bank loans over five years is 6. 14%. Ten years is 6.55% (different banks). This figure can only be used as a reference, and the specific interest rate and interest need to be consulted with the local loan bank.
I can only teach you the method here. Because many people have to run by themselves. Go to the bank or an intermediary company to find an evaluation company to evaluate, and then the bank can help you. Go to the local bank and get it yourself.
Farmers who have legally obtained land certificates can mortgage loans to banks. In addition, the process of land certificate mortgage loan is: land certificate mortgage loan, and the required information includes the original land certificate, land certificate ownership confirmation, mortgagor's husband and wife ID card, marriage certificate and original household registration book. Specific processing procedures:
1. Go to the local appraisal agency to appraise the land 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 land on the spot.
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 with land certificate mortgage loan, the required information includes the original land certificate, the confirmation of land certificate ownership, the mortgagor's husband and wife ID card, marriage certificate, and a copy of the original household registration book.
How to mortgage the developer's land use right?
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.