Find an assessment agency with forestry assessment qualification to conduct mortgage loan assessment;
After receiving the assessment report, apply for mortgage and loan at the loan bank with the forest right certificate and company business license;
After the bank accepts it, it signs a mortgage contract and a loan contract;
Go to the local county-level forestry system to register the forest right mortgage and obtain the forest right mortgage certificate or other warrants;
Give the forest right certificate and mortgage certificate to the bank, and the bank will lend money.
To apply for forest right mortgage registration, the following information should be provided to the forestry department: forest right certificate, forest right mortgage loan agreement, forest right mortgage contract, loan contract, and forest asset value evaluation report.
Forest right mortgage loan is ok, but we should also clearly realize that forest right mortgage loan is a brand-new loan business after all, and it is still in the exploration stage, and it still faces many difficulties and problems in the process of business development. Forest right mortgage loan refers to borrowing from financial institutions with forests, forest ownership (or use right) and forest land use right as collateral.
How to mortgage the loan with forest right certificate;
Have a legal status;
Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;
There is a legal and effective purchase contract;
If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
Being able to provide effective guarantee recognized by the loan bank;
Other conditions stipulated by the lending bank.
Can the forest right certificate be mortgaged? 1. Negotiate with financial institutions to reach a loan intention;
Find an assessment agency with forestry assessment qualification to conduct mortgage loan assessment;
After receiving the assessment report, apply for mortgage and loan at the loan bank with the forest right certificate and company business license;
After the bank accepts it, it signs a mortgage contract and a loan contract;
Go to the local county-level forestry system to register the forest right mortgage and obtain the forest right mortgage certificate or other warrants;
Give the forest right certificate and mortgage certificate to the bank, and the bank will lend money.
To apply for forest right mortgage registration, the following information should be provided to the forestry department: forest right certificate, forest right mortgage loan agreement, forest right mortgage contract, loan contract, and forest asset value evaluation report.
Hope to adopt!
Which bank in Sichuan province can handle the mortgage loan of forest right certificate, ask the rural credit cooperatives!
Can I use the forest right certificate as a mortgage loan? You can apply for mortgage loan on Ping An Pratt & Whitney Online, and the materials you need to apply for personal loan of Ping An Pratt & Whitney:
1. Personal ID card in kind. Such as ID card, residence permit, household registration book, marriage certificate, etc.
2. Proof of stable address. Such as housing lease contract, water and electricity bills, property management and other related confirmation materials.
3. Proof of stable income sources. Such as bank memoranda, labor contracts, etc.
You can choose Ping An Pratt & Whitney to apply for a loan. As long as the information is complete, the next payment will be quick, and the most important thing is safety. Private loans are too unsafe. I hope I can help you.
At present, general forestry loans are mainly issued by Agricultural Bank of China and credit cooperatives. You can go to these two financial institutions to negotiate.
The basic procedure is:
Reach the loan intention (loan bank) → asset evaluation → forest right mortgage registration (local forestry bureau) → sign the mortgage contract → sign the loan contract → bank loan.
Legal analysis of mortgage loan policy of forest property right certificate
For the problem description, the following analysis can be made:
Banking financial institutions should actively carry out forest right mortgage loan business, and can accept borrowers to issue loans with forest rights legally owned by themselves or third parties as collateral. Mortgagable forest right includes the ownership and use right of timber forest, economic forest and firewood forest and the corresponding forest land use right; Woodland use right of logging land and burning land of timber forest, economic forest and firewood forest; Ownership, use right and woodland use right of other forests and trees that can be mortgaged as stipulated by the state. Banking financial institutions shall not accept forest rights that cannot be disposed of and realized as collateral property, including water conservation forests, soil and water conservation forests, windbreak and sand fixation forests, farmland and pasture protection forests, bank protection forests, road protection forests and corresponding forest land use rights, as well as the ownership and use rights of national defense forests, experimental forests, parent forests, environmental protection forests, scenic forests, historical sites and revolutionary memorial sites, nature reserves and other special-purpose forests.
Action suggestion
not have
Relevant laws and regulations
You can refer to the implementation opinions of China Banking Regulatory Commission and State Forestry Administration on forest right mortgage loan.
Forest right mortgage loan policy
The China Banking Regulatory Commission and the State Forestry Administration jointly issued the Opinions on the Implementation of Forest Tenure Mortgage Loan, which made it clear that forest farmers and forestry producers and operators can use contracted commercial forests as collateral for loans, thus achieving a historic breakthrough in converting forestry resources into capital.
The Opinions stipulate that banking financial institutions should reasonably negotiate the term of forest right mortgage loan according to the borrower's production and operation cycle, credit status and other factors. If the loan is used for forestry production, the term should be suitable for the forestry production cycle.
In order to reduce the financing cost of forest farmers and forest operators, banking financial institutions should make their own assessment with reference to the local market price for forest right mortgage loan projects with loan amount below 300,000 yuan, and may not charge the borrower an assessment fee. Projects with a loan amount of more than 300,000 yuan (including 300,000 yuan) should adhere to the principle of guaranteed capital and small profits in accordance with relevant regulations.
Forest right has the characteristics of long investment cycle and difficult evaluation. According to the characteristics of forestry, the Opinions designed a suitable way. For banking financial institutions, it can solve the problem of effective mortgage and make financial institutions take higher risks.
How to handle the mortgage loan of Baoshan forest right certificate 1 First, negotiate with financial institutions to reach a loan intention. The general forestry loan financial institution is China Agricultural Bank or Credit Union;
2. Then find an assessment agency with forestry assessment qualification to conduct mortgage loan assessment;
3. After obtaining the evaluation report, apply for mortgage and loan from the loan bank with the forest right certificate and the company business license (or personal ID card);
4, the bank accepted, signed a mortgage contract and loan contract;
5. Go to the local county-level forestry system to register the forest right mortgage and obtain the forest right mortgage certificate or other warrants;
6, the forest right certificate, mortgage certificate (or other warrants) to the bank, the bank loan.