Reportedly, not anyone or unit can apply for land transfer loans. In the choice of loan object, the mortgage loan of land circulation management right is a special loan for the main body of circulation management. Operators whose circulation area is more than 10 mu through rural property rights trading institutions can apply to the bank for mortgage loan of land circulation management right with the certificate of other rights of rural land circulation management right issued by the property rights trading institutions. After value evaluation and loan investigation, we can sign loan contracts and mortgage contracts with banks. The maximum loan application amount is 80% of the appraised value, and the loan interest rate is calculated at 10%- 15% of the preferential interest rate policy for the same period.
It should be reminded that the mortgage loan of land circulation management right must be used for the development of agricultural production or agricultural development by agricultural business entities, and the agricultural production nature of land must not be changed at the same time. This is to ensure that the loan is really used to develop agricultural production, and it is also beneficial for banks to conduct accurate risk assessment.