The specific operation is as follows:

1 first of all, what is the rural land management right mortgage loan:

The mortgage loan of land management right refers to the mortgage of land management right (right to use) to the bank and the loan of a certain proportion of funds from the bank. The contract right of land (farmers) remains unchanged, and so does the ownership (village collective). Therefore, the mortgage loan of land management right will not happen "the land cannot be recovered after mortgage".

Object and conditions of mortgage loan for rural land management right

2, rural land management rights mortgage loans, for organizations or individuals engaged in agricultural production and operation. To apply for a mortgage loan from a financial institution, the following conditions must be met:

(1) Rural land management rights such as planting (breeding) industry, facility agriculture and modern leisure agriculture, which have a certain production scale and sustainable production capacity and meet the mortgage conditions;

(two) the land contract or transfer procedures are legal and the behavior is standardized;

(three) to obtain the right to operate the land according to law, and to obtain the certificate of rural land contractual management right or the certificate of rural land contractual circulation management right;

(four) operating according to law and changing the agricultural use of land without authorization;

(five) the village collective economic organization and the outflow party where the mortgaged land is located agree to mortgage and dispose of the loan when it cannot be returned.

3, the general process:

Loan application → loan investigation → loan approval → signing mortgage contract → handling mortgage registration procedures → loan issuance → post-loan inspection → loan return.

4. Information to be provided

The applicant provides five documents to the loan bank: first, the standardized and effective land contract is uniformly circulated by the rural collective economic organizations, with the transfer agreement entrusted by the farmers; The second is the information of attachments on the ground (including underground); Third, the original and photocopy of the applicant's ID card (if the applicant is a legal person, it is also necessary to provide a copy of the business license and official seal, and the original and photocopy of the legal representative or responsible person's ID card); Fourth, the land contractual management right holder agrees to mortgage; Fifth, other materials required by the loan bank.

"Other materials required by the loan bank", such as China Agricultural Bank, also require:

(1) It has rich experience and technology in planting and breeding, in which it has been engaged in agricultural planting production and operation for more than 2 years and aquaculture production and operation for more than 3 years.

(2) The proportion of self-owned funds engaged in agricultural production and operation projects shall not be less than 30%.

(3) Field crop planting. The planting area of rice, wheat, corn, soybean and other food crops shall not be less than 100 mu, and the annual return area shall not be less than 50 mu; The planting area of cash crops such as cotton, vegetables and lotus root is not less than 50 mu.

(4) Aquaculture. The intensive culture area of fish ponds and cages is not less than 50 mu, and the free-range culture area of lakes and reservoirs is not less than 500 mu.

(5) Facility agriculture and characteristic agriculture. Take greenhouses and other facilities for agricultural production and management, and engage in characteristic agriculture such as fruits, flowers, seedlings and ginseng, with a planting or breeding area of not less than 5 mu.

(six) to obtain the contracted management right of rural land for agricultural production and operation by household contract, the access conditions for planting or breeding area can be 50% of the standards in the third to fifth paragraphs above.

5. Matters needing attention

1. The mortgage period of rural land contractual management right shall not exceed the remaining period of rural land contractual period.

Second, because the risks and volatility of agricultural operations are relatively large, the loan period is relatively short. Generally speaking, the term of mortgage loans for rural land management rights in various places is 1 year, and in principle, it does not exceed 3 years. There are also some areas with 5- 10 years and above, but few.

3 rural land contractual management right mortgage loan amount is generally between 50% and 80% of the assessed value (including ground attachments), and the regulations vary from place to place. Please consult the local authorities for details.