Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, China Bank, China Merchants Bank, China CITIC Bank and other major banks can handle land certificate loans. The lender can prepare the original land certificate, confirm the ownership of the land certificate, and go to the bank counter to handle the ID card, marriage certificate and household registration book of the mortgagor and his wife. The procedure is as follows:

1. Go to the appraisal agency to appraise the land value.

2. Go to the bank to apply for a loan and submit the information.

3, the bank audit data, field trips to the land.

4. Approve and allocate funds.

Can land certificates be used for loans?

Yes, you can.

Land certificate mortgage loan process:

1. Go to the local appraisal agency to appraise the house value;

2. Apply for land certificate mortgage loan from the bank and fill in the application form;

3. The bank staff shall examine and approve the materials submitted by the borrower and visit the mortgaged house locally;

After the approval of the bank, the loan will be issued.

5. The borrower repays the loan according to the contract.

Land certificate mortgage loan procedures:

To mortgage a loan with a land certificate, the required materials include the original land certificate, the confirmation of the ownership of the land certificate, the ID card of the mortgagor and his wife, the marriage certificate and the original household registration book.

Extended data:

operation sequence/order

1. If the house and the land use right are transferred together, the house purchase and sale agreement, house photos and the original land use certificate shall be submitted.

2. If the house is inherited and donated together with the land use right, a photo of the house, the original land use certificate, a notarial certificate or an agreement signed by the user and a street certificate shall be submitted.

3, the land registration of new houses should be submitted to the building approval of the land planning department.

4. If the land certificate is lost or damaged, the land owner shall timely file with the original issuing authority, apply for a new certificate, and make an announcement in the local newspaper. If there is no objection within 30 days from the date of announcement, the original land certificate shall be cancelled by the original issuing authority and renewed.

5. Sales cases, inheritance cases and gift cases must be handled by both parties at the same time.

6. In addition to the above materials, the entrusted agent shall also provide the power of attorney signed and sealed by the principal.