Land use certificates can be used as mortgage loans, but the assessed value is not as high as the value of land with real estate certificates. A land use certificate is a legal document confirming land use rights. Article 11 of the "Land Management Law of the People's Republic of China" stipulates that land collectively owned by farmers shall be registered and registered by the people's government at the county level, and a certificate shall be issued to confirm ownership.

Can I get a loan if I only have a real estate certificate but no land certificate?

Strictly speaking, real estate should have two certificates, namely a real estate certificate and a land certificate. However, in practice, some people only have a title certificate due to special circumstances. Loans can also be applied for commercial houses with real estate certificates. This depends on the situation.

1. The conditions for the mortgaged property in accordance with the loan regulations: the property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market without any other mortgage.

2. Age of the house (calculated from the date of completion of the house) The loan term shall not exceed 40 years. The mortgaged house is not included in the local urban reconstruction and demolition plan, and has a real estate certificate and land certificate issued by the real estate department and the land management department; the owner of the mortgage can be the borrower himself or another person.

3. If a property owned by another person is used as a mortgage, the mortgagor must issue a written commitment agreeing to the borrower’s application for a loan using the property as a mortgage, and require the mortgagor and his/her spouse or other property owners to Signature of the authorized person.

What is the process of land certificate mortgage loan?

1. First, you must find a bank that agrees to give you a land mortgage loan.

2. Get a land appraisal unit to do mortgage land appraisal. Generally, the land bureau can have one or be affiliated with one.

3. Take the evaluation report to the Land Department for mortgage registration. After passing the qualification, a "Certificate of Other Rights to Land" will be issued to you.

4. When you take this "Other Rights Certificate" to the bank to apply for a loan, you must have a mortgage contract and a maximum loan contract. After everything is signed and sealed, it’s time to wait for the loan.

What are land certificates and real estate certificates

The real estate certificate means that the buyer has obtained the legal rights to the house through transactions and can exercise the rights to possess, use, and dispose of the purchased house in accordance with the law. Certificate;

The land certificate is also called the land use certificate. The land use certificate is the legal certificate confirming the land use right. According to the "Implementation Regulations of the Land Management Law of the People's Republic of China", the state implements the land registration certification system in accordance with the law. Land rights and land use rights registered in accordance with the law are protected by law and may not be infringed upon by any unit or individual.