Forest right mortgage loan conditions are as follows:
1. Only by obtaining the forest right certificate can the mortgage loan be made according to the forest;
2. Several cases of not accepting as collateral: unclear or controversial trees; The transfer of forest resources assets has not been completed; The right to use forests and woodlands that have not been registered according to law; Individual young forests cannot be mortgaged separately;
3. Eucalyptus for mortgage needs to be planted for more than 2 years (Eucalyptus planted in coastal areas and mountainous areas of northern Guangdong, which are greatly affected by special climate such as typhoon and ice disaster, should be planted for more than 3 years in principle). At the same time, according to the original regulations, individuals need more than 300 acres of eucalyptus contiguous planting area before they can apply for mortgage. Now Guangdong Agricultural Bank plans to launch a new loan method, and plans to reduce the area standard to more than 100 mu;
4. Mortgaged trees must be evaluated by institutions with forest resource assets evaluation conditions, and the loan amount shall not exceed 50% of the evaluation value;
5, eucalyptus mortgage loans do not need to buy forest insurance;
6. Use of the loan: it must be used for forestry production, "including forest planting, tending, forest processing and acquisition", and the term is generally not more than 3 years (the policy is being adjusted, and the future use can be wider and the term can be longer);
7. Right to dispose by forest mortgage: After the loan, it is possible to get the cutting license after being signed by the Agricultural Bank of China and the Ministry of Forestry. It is illegal for forest farmers to dispose of mortgaged trees privately.
Second, the forest right certificate loan
The loan terms are 1. Only by obtaining the forest right certificate can we mortgage the loan according to the forest. 2. Several types of situations in which collateral is not accepted: unclear or controversial trees; The transfer of forest resources assets has not been completed; The right to use forests and woodlands that have not been registered according to law; Individual young forests cannot be mortgaged separately; 3. Eucalyptus for mortgage needs to be planted for more than 2 years (Eucalyptus planted in coastal areas and mountainous areas of northern Guangdong that are greatly affected by special climate such as typhoon and ice disaster should be planted for more than 3 years in principle). At the same time, according to the original regulations, individuals need more than 300 acres of eucalyptus contiguous planting area before they can apply for mortgage. Now Guangdong Agricultural Bank plans to launch a new loan method, and plans to reduce the area standard to 100 mu or more. 4. Mortgaged trees must be evaluated by institutions with forest resource assets evaluation conditions, and the loan amount shall not exceed 50% of the evaluation value. 5. Eucalyptus mortgage loan does not need to buy forest insurance. 6. Use of the loan: it must be used for forestry production, "including forest planting, tending, forest processing and acquisition", and the term is generally not more than 3 years (the policy is being adjusted, and the future use can be wider and the term can be longer). 7. Right to dispose by forest mortgage: After the loan, it is possible to get the cutting license after being signed by the Agricultural Bank of China and the Ministry of Forestry. It is illegal for forest farmers to dispose of mortgaged trees privately. Loan interest rate In May 2009, the Guiding Opinions on Doing a Good Job in Financial Services for Collective Forest Right System Reform and Forestry Development jointly issued by the People's Bank of China and other five departments clearly stipulated the loan interest rate: "For forest right mortgage loans that meet the loan conditions, the interest rate should generally be lower than the credit loan interest rate; For small-scale forest farmers' loan business such as micro-credit loans and farmers' joint guarantee loans, the interest rate burden actually borne by the borrower shall not exceed 1.3 times of the benchmark interest rate for loans with the same term stipulated by the People's Bank of China in principle. " Eucalyptus mortgage interest rate is relatively favorable. At the same time, two kinds of enterprises will be able to get more favorable interest rates: leading forestry enterprises that have long-term cooperation with Agricultural Bank of China and forest farmers with large planting scale. As for forest insurance, the interest rate is lower. Generally speaking, taking 6,543,800 yuan as an example, the general annual interest rate (one year) is between 5% and 6%.
Three, how to apply for a forest right certificate loan, what conditions are needed?
Forest right mortgage loan conditions are as follows:
1. Only by obtaining the forest right certificate can the mortgage loan be made according to the forest;
2. Several cases of not accepting as collateral: unclear or controversial trees; The transfer of forest resources assets has not been completed; The right to use forests and woodlands that have not been registered according to law; Individual young forests cannot be mortgaged separately;
3. Eucalyptus for mortgage needs to be planted for more than 2 years (Eucalyptus planted in coastal areas and mountainous areas of northern Guangdong, which are greatly affected by special climate such as typhoon and ice disaster, should be planted for more than 3 years in principle). At the same time, according to the original regulations, individuals need more than 300 acres of eucalyptus contiguous planting area before they can apply for mortgage. Now Guangdong Agricultural Bank plans to launch a new loan method, and plans to reduce the area standard to more than 100 mu;
4. Mortgaged trees must be evaluated by institutions with forest resource assets evaluation conditions, and the loan amount shall not exceed 50% of the evaluation value;
5, eucalyptus mortgage loans do not need to buy forest insurance;
6. Use of the loan: it must be used for forestry production, "including forest planting, tending, forest processing and acquisition", and the term is generally not more than 3 years (the policy is being adjusted, and the future use can be wider and the term can be longer);
7. Right to dispose by forest mortgage: After the loan, it is possible to get the cutting license after being signed by the Agricultural Bank of China and the Ministry of Forestry. It is illegal for forest farmers to dispose of mortgaged trees privately.
Fourth, can the forest right certificate be mortgaged?
Yes, you can.
According to the Measures for the Administration of Forest Right Mortgage Loan in Sinan County (Trial):
Article 25 After the borrower and the lender sign the mortgage contract, the borrower and the lender shall apply for mortgage registration to the competent forestry department of the people's government at or above the county level (hereinafter referred to as the forest right mortgage registration authority) with the following documents, and the mortgage right shall take effect from the date of registration.
(1) An application for registration of forest right mortgage;
(2) Legal person certificates or personal identity cards of borrowers and loan financial institutions;
(3) mortgage contract;
(4) Forest right certificate;
(5) Linxian County People's Government entrusts the County Forestry Bureau to handle it, and the new regulations will be implemented after promulgation.
(6) Relevant information of the mortgage registration certificate of forest resources assets issued by the registration authority, including: forest land type, location, four boundary sites, area, forest species, tree species, forest age, stock volume, etc. ;
(7) It has been proposed;
(eight) registration materials of forest right mortgage.
Twenty-sixth forest right mortgage registration application materials, should be in accordance with the provisions of national laws and regulations to review the compliance of collateral. Mainly review the following contents:
(1) Whether the documents provided by the applicant are complete, true and valid;
(2) Borrowing facts is legal;
(3) Whether the ownership of the mortgaged property is clear and effective;
(4) Whether the collateral is registered repeatedly;
(5) Whether the mortgaged property contains contents prohibiting mortgage;
Years.
Upon examination, if the registration conditions are met, the forest right mortgage registration institution shall complete the registration formalities within 10 working days after accepting the application for registration, and establish the forest right mortgage loan registration and record it in the electronic file for future reference.
Extended data:
According to the Measures for the Administration of Forest Right Mortgage Loan in Sinan County (Trial):
Article 31 The lender shall issue the loan within 15 working days according to the loan contract, mortgage contract and forest right mortgage registration certificate, and after following internal procedures such as business acceptance, credit investigation, loan review and loan approval.
Thirty-second forest right mortgage loans should be issued according to the Interim Measures for the Management of Fixed Assets, the Interim Measures for the Management of Working Capital Loans and the Interim Measures for the Management of Personal Loans. In the process of granting loans, the methods of "total control, rolling use and balance management" are implemented.
Thirty-third borrowers must apply for forest insurance for mortgaged trees in accordance with the requirements of loan financial institutions. The forest right insurance clause should stipulate that "when the forest right is mortgaged, the mortgagee will get the insurance compensation first".