Can the land contract certificate be loaned?

Land contract certificates can be used for loans. After the rural land is confirmed, farmers can get the land contract management certificate. Now the country has introduced the rural two-right loan policy, and they can use this certificate to make loans. The loan process of land contract certificate is similar to other loans. First of all, you need to provide the applicant's certificate, and the bank will review it before issuing the loan.

Which land can't get the rural contract management certificate?

1, private plot

Although farmers' private plots have been included in the scope of contracted land, if they are allocated separately, they will not be able to participate in the confirmation of land contractual management rights and will not get rural contractual management warrants.

2. Land acquired through land transfer

Some land in the process of circulation, only through oral agreement, not through legal procedures to obtain the right to contract management, so this kind of land can not get the right to contract management. If land is involved, it can be settled through mediation, arbitration and appeal.

3. Illegal buying and selling of land.

If land is acquired through illegal trading, this kind of land will not only be unable to obtain the certificate of land contractual management right, but also be recovered after investigation. If the area reaches a certain level, it will be punished for illegally occupying cultivated land.

4. Privately reclaimed land

It is common to reclaim land without permission in rural areas. Many farmers feel that this land is legal, but they can't get the contract management license. In this case, if you continue to farm, you won't be punished. If you want to get the land contractual management right certificate, you can contract through public consultation or bidding, auction and hanging.

Bian Xiao concluded: The above is about whether the land contract certificate can be loaned. I believe everyone understands! Land contract certificate is very important to farmers. With the business license, it means that farmers have the right to use the land and can freely control the land.

What are the conditions of mortgage loan for land contractual management right?

Conditions of mortgage loan:

(1) Holding certificates such as rural land contractual management right certificate or rural land contractual circulation management right certificate;

(2) The procedures for contracting or transferring land are legal and standardized;

(3) The agricultural use of the land has not been changed;

(four) 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.

What are the conditions for mortgage loan of land contractual management right?

Conditions of mortgage loan for land contractual management right: 1. The right to contracted management of rural land must be obtained in accordance with the law and have legal and effective proof of ownership; 2. The property right relationship of the land contractual management right shall be clear and conform to the relevant laws, regulations and policies of the state; 3. Rural land that meets the mortgage conditions and has sustainable production capacity, such as fruit farms, forest farms, farms and agricultural planting bases; 4. Land management has not changed agricultural use.

What is the significance of mortgage loan for rural land contractual management right?

Mortgage loan for contracted management right of land refers to a loan business in which farmers, enterprise legal persons and other economic organizations use the transferred contracted management right of land as creditor's rights guarantee to repay the principal and interest of the loan on schedule.

legal ground

Article 394 of the Civil Code

In order to ensure the performance of the debt, if the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, the creditor has the right to be compensated in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Is the interest on land contract loan high?

Relatively high, the maximum amount of mortgage loan for land contractual management right should not exceed 50% of the investment in agricultural production projects or 40% of the mortgage evaluation value in principle, that is, the mortgage rate should not exceed 40%. The term of short-term working capital loan for land contractual management right shall not exceed 1 year (inclusive), and the term of medium-and long-term loan shall not exceed 3 years (inclusive).

Can the land contracted by farmers be mortgaged?

1. The right to contracted management of land refers to the right of collective citizens to contracted management of state-owned land used by collectively owned or state-owned, nationally owned or collectively owned units. The content of rights is stipulated in the contract.

2. The land contracted by farmers can be mortgaged. Article 47 of the Rural Land Contract Law: A contractor may use the land management right of the contracted land to provide financing guarantee to financial institutions and file it with the employer.

3. With the written consent of the contractor and filing with the Employer, the transferee can obtain financing guarantee from financial institutions. The security interest is established when the financing guarantee contract takes effect.

4. The parties may apply to the registration authority for registration; Without registration, you may not be able to fight well-intentioned third parties. When realizing the security interest, the holder of the security interest has the priority to be compensated for the land management right.