1. Is it possible to obtain loans from collective land use certificates?

It is not possible to obtain loans from collective land use certificates. Bank loans require stable sources of repayment and good credit information or clear and sufficient property rights. As collateral that is easily liquidated, collective land must be circulated within the collective scope due to existing legal provisions. The transfer and realization of collective land is restricted, so loans cannot be made.

Legal Basis

According to Article 184 of the Property Law, the following properties may not be mortgaged: collective land use rights such as cultivated land, homesteads, private land, private hills, etc., but Exceptions may be made to mortgages as provided by law.

2. Can I get a loan with a land certificate?

1. If you can get a loan, the land certificate you are talking about should be a state-owned land use right certificate. It is clearly stipulated in the "Real Estate Management Law" that the purchased commercial housing should have a "state-owned land use right certificate" That is, the land certificate and the "house ownership certificate", that is, the real estate certificate. 2. The loan you are talking about is actually a land use right mortgage loan. Land use right mortgage loan is one of the main ways for real estate companies to obtain loans. After the developer obtains the land use right through its own funds, it can use the land to use the land. The rights are mortgaged to the bank to obtain loan funds, and then the funds are invested in development and construction, and the funds are recovered through the pre-sale of commercial housing to repay the loan. 3. Prerequisites:

1. Mortgage registration shall be based on the registration of land use rights. The collective land use rights of wasteland and the collective land use rights of rural enterprises registered with the land management department of the county-level people's government can be mortgaged, but other types of collective land use rights are not allowed to be mortgaged.

2. Collective wasteland land use rights and rural enterprise collective land management departments apply for mortgage registration, and the mortgage contract becomes effective from the date of approval and registration. If the land management department has not registered the mortgage of land use rights, the land mortgage rights are not protected by law, and the land use rights cannot be disposed of as mortgaged property.

3. Can I get a loan on collective land?

Calculate how much it will cost to renovate your home. Collective land refers to land collectively owned by farmers, so it is also called collectively owned by the working people. land. Collective land is a form of land ownership in China. So can collective land be loaned? Let’s learn more about it with the editor below. Can I get a loan for collective land? 1. Under normal circumstances, it is difficult to get a loan from a lending bank for collective land. You can only get a loan from a local guarantee company. Because the bank requires the lender to provide two documents, the real estate certificate and the land use certificate, before it can lend. The guarantee company determines whether a loan can be granted based on the lender's credit status, economic situation, and asset status. 2. The state has not stipulated and approved the transfer of collective land for the time being, so collective land cannot be listed for sale. Loan banks generally only approve very stable and safe loans, so it is generally difficult for collective land to pass review and obtain bank loans. 3. If a bank lends money to the owner of collective land, does not sell the collective land, and there are still houses on the collective land, then it will be difficult for the bank to sublease the collective land to others, so lending banks generally will not take such a risk. Large risks in lending to collective land owners. 4. According to the relevant provisions of our country’s guarantee law, loans cannot be granted to collective land that meets the following conditions: (1) Collective land ownership. (2) The land use rights of township enterprises shall not be mortgaged separately. (3) Cultivated land, homestead land, private land, and private hills. (4) Collective land whose ownership and use rights are unclear or disputed. (5) Collective land seized according to law. 5. However, loans can be applied for collective land that meets the following conditions: (1) Land use rights of collectively owned barren hills, ditches, hills, beaches and other wasteland that are legally contracted by farmers with the consent of the contracting party. (2) If the factories and other buildings of a township (town) village enterprise are mortgaged, the collective land use rights within the scope occupied by the enterprise's factories and other buildings will be mortgaged at the same time. The above is a detailed introduction on whether collective land can be used for loans. Friends who want to use collective land to apply for loans must know in advance whether the collective land they own can be used for loans, and then prepare relevant materials before applying for loans. matters.

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4. Is it possible to borrow a collective land use certificate?

No.