The mortgage rate of land loans generally does not exceed 70% of the assessed amount.

It is based on the evaluation value stated in the evaluation report of the land evaluation agency, rather than the total land investment.

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Second, can the company's loan amount exceed the registered capital?

Yes, but small loan companies can't directly absorb deposits. After the registered capital is released, they can obtain capital loans through capital increase by shareholders, banks and other financing channels. In addition, the amount of a single loan of a small loan company generally does not exceed the proportion of the registered capital, and generally does not exceed 10% of the registered capital.

Three, how to circumvent the provisions of small loan companies about a single loan exceeding 5% of the capital?

How to prevent small loan companies from dividing the loan amount for a single loan? If a single loan exceeds 5% of the capital, additional lenders are needed. In this way, it is safe to change one loan into two or more loans.

Four, the amount of real estate mortgage pawn shall not exceed 10% of the registered capital. How to understand?

According to the fifth paragraph of Article 44 of the Pawn Management Measures, the balance of pawned property rights of pawn shops shall not exceed 50% of the registered capital. The balance of real estate mortgage pawn shall not exceed the registered capital. If the registered capital is less than 6,543,800 yuan, the single amount of real estate mortgage pawn shall not exceed 6,543,800 yuan. If the registered capital is more than 6.5438+million yuan, the single amount of real estate mortgage pawn shall not exceed 654.38+00% of the registered capital.

Therefore, the balance of real estate mortgage pawn in your pawnshop shall not exceed 6.5438+million, provided that each pawn shall not exceed 654.38+00% of the registered capital, that is, 6.5438+million.