With the certificate of rural land ownership, you can apply for mortgage loans from rural commercial banks (that is, credit cooperatives in the past) and agricultural banks.

The confirmation of land is equivalent to the name and basic information of the person who issues the contracted management right of land to agricultural land; The name and number of the rural land contractual management right certificate; Duration and start and end dates; The name of the collective economic organization contracting rural land, the location of the land (coordinate use; And the change of rural land contractual management right. As soon as the land is confirmed, whoever has more land will feel more at ease.

Land confirmation is a means, not an end. The real purpose is to revitalize the land and awaken the sleeping huge capital. According to the requirements of the Property Law, the registration and certification of confirmation of rights can give the usufructuary right of rural land contractual management right by means of shares, mortgage, guarantee and income, and open channels for farmers.

Previously, due to the collective nature, rural land and houses could not be mortgaged, and farmers' loans could only be guaranteed by joint households. Because of the high threshold, they can use the property of urban residents as collateral. Therefore, in the future, like the "real estate license" in the city, farmers can also apply for mortgage loans from banks when they need development funds.

Second, the land mortgage interest rate

More than 5.39% of real estate mortgages are divided into two types, one is self-owned real estate mortgage or mortgaged real estate mortgage, and the loan interest rates of these two types are also different. Under normal circumstances, the interest rate of self-owned property mortgage loan is lower than that of mortgaged property mortgage loan, and there will be a gap between local and bank interest rates, but this gap is adjusted on the basis of the benchmark interest rate announced by the central bank, and the floating ratio is generally 10%-35%. The above is the answer to the general interest rate of land mortgage loan.

3. What is the interest rate of land mortgage loan?

The general real estate license mortgage interest is 6% a year. The benchmark interest rate for bank loans over five years is 6. 14%. Ten years is 6.55%.

4. What is the general interest rate of land certificate mortgage loan?

More than 5.39%

There are two kinds of real estate mortgage, one is self-owned real estate mortgage or mortgage real estate mortgage, and the loan interest rates of these two kinds are also different. Generally speaking, the interest rate of self-owned property mortgage loan is lower than that of mortgaged property mortgage loan, and there will be a gap between local and bank interest rates, but this gap is adjusted on the basis of the benchmark interest rate announced by the central bank, and the floating ratio is generally between 10%-35%, which will not be higher than this level.

How much interest rate rises mainly depends on personal qualifications, good qualifications and low interest rates.