The contracted management right of land cannot be mortgaged.

Paragraph 2 of Article 37 of the Guarantee Law and paragraph 2 of Article 184 of the Property Law clearly stipulate that "collectively owned land use rights such as cultivated land, homestead, private plots and private plots of hills" shall not be mortgaged. This is because the contracted management mode with the family as the production and business operation unit is a universal right to ensure the basic living conditions of members in rural collective economic organizations, which has a strong social security nature and welfare function. With this right as collateral, once the mortgagee's rights are realized, the mortgagor may lose the minimum living conditions and cause serious social problems. Therefore, the law stipulates that it cannot be used as collateral.

Second, what is the mortgage rate with the land management right as collateral?

Collective land and leased land have no other rights. State-owned land is divided into leased land and allocated land. The mortgage rate of leased land is 50-70%, and the mortgage rate of allocated land after deducting the land transfer fee is 50-70%. At present, the only policy that can be implemented is that land contractual management rights obtained through bidding, auction and public consultation need to be registered before mortgage rights can be established. Article 49 of the Rural Land Contract Law stipulates that if rural land is contracted by means of bidding, auction and public consultation, and the land contractual management right certificate or forest right certificate is obtained through legal registration, the land contractual management right can be transferred through transfer, lease, shareholding, mortgage or other means according to law. Mortgage refers to the right of the debtor or the third party to use the property as the guarantee of creditor's rights without transferring the possession of the property. When the debtor fails to perform the debt, the creditor has the right to receive priority compensation for the property in accordance with the procedures prescribed by law. The debtor or the third party is the mortgagor, the creditor is the mortgagee, and the property providing guarantee is the mortgaged property. If someone applies for a loan from a bank and uses his house as collateral, then the bank is the mortgagee.

3. What is the mortgage rate based on the land management right?

Collective land and leased land have no other rights. State-owned land is divided into leased land and allocated land. The mortgage rate of leased land is 50-70%, and the mortgage rate of allocated land after deducting the land transfer fee is 50-70%.

4. What is the mortgage rate based on the land management right?

Collectively owned land is divided into land transfer and land allocation, and the transfer rate is between 0% and 50-70% after deducting the land transfer fee.

At present, the only policy that can be implemented is that land contractual management rights obtained through bidding, auction and public consultation need to be registered before mortgage rights can be established.

Article 49 of the Rural Land Contract Law stipulates that the right to contracted management of rural land can be transferred, leased, invested, mortgaged or transferred through bidding, auction and public consultation.

Mortgage refers to the right of the debtor or the third party to use the property as the guarantee of creditor's rights without transferring the possession of the property. When the debtor fails to perform the debt, the creditor has the right to receive priority compensation for the property in accordance with the procedures prescribed by law. The debtor or the third party is the mortgagor, and the creditor's rights are the mortgaged property. If someone applies for a loan from a bank and uses his house as collateral, then silver