- New Way Out for Farmers' Loans China intends to pilot homestead mortgage loans The 18th meeting of the Standing Committee of the 12th National People's Congress opened in the Great Hall of the People in Beijing on the morning of this morning. The Standing Committee of the National People's Congress reviewed the relevant draft decision yesterday and proposed to authorize the State Council to subdivide in the administrative regions of the pilot counties such as the Daxing District of Beijing and other Pixian counties in Tianjin, and other pilot counties.
- Yiwu issued the first single rural homestead mortgage loan Yesterday morning, Ji Jianzhong, a villager of Huangyangmei Village, Beiyuan Street, Yiwu, got a 300,000 yuan loan from the Beiyuan Sub-branch of Yiwu Rural Commercial Bank. Unlike previous loan methods, Ji Jianzhong used his own rural homestead housing as a collateral. This is the National People's Congress authorized country...
- Farmers' home mortgage guarantees are expected to be piloted during the year. Homesteads or mortgage loans Recently, the National Development and Reform Commission announced relevant work arrangements for deepening economic restructuring. The information disclosed is that pilot projects for rural home mortgage secured loans are expected to be launched in 2015. This means that rural homesteads will break the legal barriers to mortgage loans...
- Peasant housing or mortgageable real estate including homestead "Law of the People's Republic of China" and other laws and regulations stipulate that the right of farmers to contract for land management can not be mortgaged A netizen in Guangzhou once asked questions about the loan project of the Postal Savings Bank-individual commercial loan in the 360th platform in 2012. Can a homestead house be used as a mortgage? . Credit Manager...
- Can you install an elevator in a rural homestead? Located at the 7-story building on 57 Qilin Middle Street east of Shatai North Road in Baiyun District, Guangzhou, there is a sightseeing elevator on the outer wall. Due to its location on the main road in the village, this modern sightseeing elevator attracts people's attention in the village. . Mr. Lai, the owner, said that the 3 oldest people in the family are the oldest...
The good news is that homesteads in these areas can be mortgaged.
As we all know, our country’s rural housing sites cannot beMortgageof. The ownership of the homestead is owned by the village collective. The peasants have only the ownership of the home and the right to use the homestead. The peasants could only transfer their own rights between the internal members of the village collective, but they cannot use it for mortgage financing. Generally speaking, they can only sell but cannot use mortgage financing, which greatly limits the farmers’ property rights.
The “Interim Measures on the Pilot Program for Farmers' Housing Property Mortgage Loans” (hereinafter referred to as the “Measures”) jointly issued by the six ministries and commissions of the country (PBC, CBRC, CIRC, Ministry of Finance, Ministry of Land and Resources, Ministry of Housing and Urban-Rural Development) is the homestead The mortgage loan opened the gate, farmers can use the homestead to get a mortgage loan, ease their own financial difficulties, and have more financing channels since then!
Mortgage loan implications:
The "mortgage loans for farmers' housing property rights" mentioned in the present Measures means that without prejudice to changes in the nature of the homestead ownership, the owner's home ownership and the right to use the homestead land will be used as the mortgage, and the banking financial institution (hereinafter referred to as the lender) will comply with the requirements. Borrower of the conditional peasant housing owner (hereinafter referred to as the borrower) paying back the principal and interest within the agreed time limit.
(A) Has full civil capacity, noBad credit history;
(2) The ownership of the house used for the mortgage and the right to use the house site are not subject to dispute. According to the law, the ownership certificate issued by the relevant government department in charge does not include the scope of land acquisition and demolition;
(3) In addition to the farmer's houses used for mortgage, the borrower should have other long-term stable living places and be able to provide relevant supporting materials;
(4) The collective economic organization in which it is located agrees in writing that the right to use the house site is mortgaged and disposed of together with the farmers' housing.
Where a common farmer's house is mortgaged, written consent of other co-owners shall also be obtained.
Interest rate determination:
The lender shall refer to the benchmark interest rate of the same period announced by the People's Bank of China for the same period, and determine the interest rate of the mortgage loan for the farmer's housing property right based on the actual situation of the borrower.
List of Pilot Counties (Cities, Districts) of Farmers' Housing Property Mortgage Loans
Province pilot counties (cities, districts)
Tianjin City Yi County
Shanxi ProvinceJinzhong Yuci District
Inner MongoliaHelinger County, Ulanhot City
Liaoning Province Tieling County, Kaiyuan City
Jilin ProvinceJiutai District, Changchun City
HeilongjiangLindian County, Fangzheng County, Dumont County
Jiangsu ProvinceChangzhou Wujin District, Yizheng City, Sihong County
Zhejiang ProvinceYueqing City, Qingtian County, Yiwu City, Ruian City
Anhui ProvinceJinzhai County, Xuancheng District, Xuzhou District
Fujian ProvinceJinjiang City, Gutian County, Shanghang County, Shishi City
Jiangxi ProvinceYujiang County, Huichang County, Wuyuan County
Shandong ProvinceFeicheng, Tengzhou, Wenshang County
Henan ProvinceHuaxian County, Lankao County
Hubei ProvinceYicheng City, Jiangxia District, Wuhan City
Hunan ProvinceLiuyang City, Liyang City, Mayang County
Guangdong ProvinceWuhua County, Lianzhou City
Concluding remarks: The use rights of homestead and ownership of houses are the most important assets of farmers. The reform of mortgageable financing of these two assets has brought about the flow of farmer's assets. Money has come, but the risk has also come. On the loan, he will lose his only residence and become a true "proletariat." However, the positive significance is still the main thing. Farmers with liquid funds can have more investment options, and they can also ease short-term financial constraints.
【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violation of the above statement will infringe upon 360's legal rights and interests and will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email: firstname.lastname@example.org
- Comment list (User comments are only for users to express personal views, does not mean that this site agrees with their views or confirms their description)
- Mortgage rates are low You deserve to have
- Unsecured loans Those things you need to know
- Unsecured loan cold knowledge large collection
- Home Mortgage Loan Essentials
- Things you must know before and after your home mortgage loan is processed
- Shenzhen unsecured loan product recommendation Which one do you prefer?
- Which mortgage products do you apply for in Beijing?
- Scatter cash, be careful and be circumvented!
- Owing to the loan that is not credited, can you really not pay it back?
- Some of the bank’s first-suite interest rates have drifted upwards: in fact they are in disguised form.
- How to eliminate bad credit information and restore credit card limits in 2017
- "Sword" was actually a borrowing drama! Do you understand it!
- How to deal with the old Lai who does not pay the money?
- Can credit information not be able to borrow?
- The cold window read hard for 16 years. You haven't earned a migrant worker!
- Alipay great joy! Sesame points will be updated, 700 million users boiling! Sesame
- Migrant workers earn much more than college students. Why do loans for squatters are often rejected?
- Guangdong will test free homestead trading
- Is homestead circulation quietly an opportunity or a trap?
- Ministry of Land and Resources: It is illegal for urban residents to purchase rural homesteads
- Can futures house be mortgaged?
- Credit card overdue repayment Does it affect the mortgage loan?
- What is a mortgage loan?
- The three major advantages of mortgage loans
- Matters needing attention when applying for a mortgage loan
- How to do a real estate license for a homestead in a rural homestead?
- 20 years to 30 years? Good news from Ningbo Provident Fund loans