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.
Baidu encyclopedia-land certificate
How to borrow the rural land certificate?
Calculate how much it will cost to decorate your home.
In recent years, the state has been vigorously developing rural areas, allowing rural collective construction land mortgage in some pilot areas. In the pilot areas, if farmers are short of funds, they can apply for loans from banks with land certificates. So how to borrow rural land certificates? Next, Bian Xiao will briefly introduce it to you. \r\n \r\n \r\n\r\n 1。 If you want to mortgage the rural land certificate, you need to go to the land evaluation unit for land evaluation; Then let the village collective and government departments issue certificates of consent to mortgage; Next, take the relevant information and apply for a land certificate mortgage loan at the bank; After the bank accepts it, it shall conduct examination and approval in accordance with relevant procedures; After approval, both parties sign a mortgage contract; Next, the two parties go to the real estate registration agency for mortgage registration; Finally, the bank issued the loan according to the contract, and the borrower repaid it in full and on time. \r\n \r\n \r\n\r\n2。 When handling rural land certificate loans, it should be noted that not all provinces carry out rural land mortgage loan projects. According to experts from Qijia, the pilot areas of rural land mortgage loans include Daxing District of Beijing, Zezhou County of Jincheng City of Shanxi Province, Songjiang District of Shanghai, Nanhai District of Foshan City and Dazu District of Chongqing City. It's best to consult whether the bank can mortgage the rural land certificate before handling the loan. \r\n \r\n \r\n\r\n3。 Rural land mortgage usually refers to rural collective construction land. The land for general loans must meet the conditions for entering the market, conform to the land planning and urban and rural planning, and have the certificate that the employer agrees to mortgage. The applicant also needs to obtain the ownership certificate according to law, and the land can be mortgaged and registered, and there are no other rights that affect the liquidation of the disposal and the priority of the bank. \ r \ n \ r \ n \ r \ n \ r \ Abstract: I will briefly introduce how to borrow rural land certificates. I hope that after reading this article, it can provide reference and help for you to apply for rural land certificate mortgage in the future. The specific land certificate loan processing process can be consulted with the relevant loan banks.
Enter the area and get the decoration quotation for free.
How to borrow the land mortgage? Can land be mortgaged?
Of course.
Refers to the legal act that the debtor guarantees the performance of the debt with the land use right. Land mortgage is the most basic form of real estate mortgage, which is generally carried out through land contracts. The essence of mortgage is a kind of security interest subordinate to the creditor's right, that is, a kind of security interest that guarantees the creditor to repay the debt with the property of others.
Land mortgage means that the debtor or the third party takes property rights as the guarantee to fulfill the debt. Its essence lies in providing intermediary form and material guarantee for creditor's rights relationship and maintaining the legitimacy and effectiveness of property.
Loan process
1. First, the estimated total value of collateral should be calculated according to the loan amount to be applied and the mortgage rate promised by the bank (loan amount/collateral evaluation value).
2. Consult the real estate appraisal agency for the highest appraisal unit price that can be achieved in the appraisal of the target collateral, and then divide the total appraisal calculated in the first step by the highest appraisal unit price to calculate the required collateral area.
3. According to the collateral area calculated in the second step above, first draw the land area that meets the conditions of bank mortgage loan on the CAD plan.
4. Take the regional map of mortgaged land drawn by yourself in the third step, and then go to the Cadastral Division of the Bureau of Land and Resources to conduct land mapping and draw a mortgage mapping map.
5, according to the mortgage surveying and mapping situation to the real estate appraisal agencies to assess, issue an assessment report.
6. Go to the Cadastral Section of the Bureau of Land and Resources with the appraisal report and relevant company documents (business license, organization code certificate, etc.). ) mortgage registration, fill in the maximum mortgage loan contract, provide the bank with the loan application and the resolution of the shareholders' meeting (or the resolution of the board of directors) that the company agrees to mortgage the target plot.
7. Fill in the maximum mortgage loan contract, provide relevant information as required by the bank, and then wait for the bank to lend money. At this point, the whole mortgage loan procedure is basically completed.
References:
Baidu encyclopedia-land mortgage loan