Some industrial land cannot be loaned.
industrial land refers to the land for factories, workshops, workshops, production sites, warehouses and other places independently set up by enterprises; If the industrial land is owned by an enterprise, you can apply for a loan, but there are certain application conditions. If the industrial land is rented and contracted by an enterprise, only the right to use it has no ownership, and such industrial land cannot be loaned.
land mortgage loan process:
1. First, the total value of the mortgaged property should be estimated according to the loan amount to be applied and the mortgage rate promised by the bank (loan amount/mortgaged property evaluation value).
2. consult the real estate appraisal agency for the maximum appraisal unit price that can be reached when evaluating the target collateral, and then calculate the required area of collateral by dividing the total appraisal value calculated in the first step by the maximum appraisal unit price.
3. according to the area of collateral calculated in the second step above, first draw the land area that meets the conditions of bank mortgage loan on the CAD plan.
Extended information:
Differences between industrial land and construction land:
1. The scope of construction land and industrial land is different.
Construction land is generally divided into residential land, public facilities land, industrial land, logistics and storage land, transportation facilities land, municipal public facilities land, road square land, green land and special land; Industrial land refers to the independently set factories, workshops, handicraft workshops, production sites for construction and installation, slag discharge (ash) sites and other land.
2. The land price of construction land and industrial land is different.
the land price of industrial land is low, and the land price of construction land is high.
3. The use term of construction land and industrial land is different.
the service life of industrial land is 3 years, and that of construction land is 4 years.
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