Land certificate can be a loan, land certificate, and the general term of land certificate is actually the "State-owned Land Use Right Certificate" obtained by individuals. "Real Estate Management Law" clearly stipulates that the purchased commercial housing should have a "State-owned Land Use Right Certificate". Land certificate and house ownership certificate are real estate certificates.

Like real estate mortgage, land is also a kind of high-value real estate, which can also be used as mortgage. Procedures for mortgage loan of land use right: for mortgage loan of land use right, the required materials include the original land certificate, land certificate rights, ID card of the mortgaged couple, marriage certificate and original household registration book.

The mortgaged land must meet the following requirements:

1. The nature of the mortgaged land must be transferred and a reasonable consideration must be paid at the time of acquisition. In other words, although some land is sold, it belongs to public welfare allocation land and there is no way to mortgage it.

2. You must obtain the land certificate issued by the Bureau of Land and Resources. Land with land certificate means that this land is state-owned land, not collectively owned land.

3. Agricultural cultivated land is collectively owned land, so it is impossible to apply for land certificate, so there is no way to apply for mortgage loan. To transfer or change the land use, collectively owned land must change its nature. From collective ownership to state ownership.

Extended data:

If other related parcels are mortgaged many times, they shall be registered in the order of receiving the mortgage registration application.

Ten, the mortgage contract changes, the mortgagor and the mortgagee should re sign the mortgage contract, and within fifteen days after the signing, with the relevant documents to the land management department to apply for mortgage change registration.

Eleven, after the dissolution or termination of the mortgage contract, the mortgagor and the mortgagee shall, within fifteen days from the date of dissolution or termination of the mortgage contract, hold the relevant documents to the land management department to apply for cancellation of mortgage registration.

Twelve, according to the specified time to apply for mortgage setting, change and cancellation of registration, the land management department shall handle the corresponding registration procedures within fifteen days from the date of acceptance.

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