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Use land as collateral, the maximum amount is 800,000! Someone applied for it!

Time: 2018-03-12         Source: Rong 360 original         Author: Kenneth Small

There are often netizens who ask about Rong 360 Xiaobian: They all say that mortgage loans can be used in houses, cars, etc., but I am engaged in agriculture, and there is nothing valuable in the field to do mortgages. Then I have five acres of land in the countryside. Can I go to a mortgage?

In the past, that was not possible because rural land and houses were collective in nature and could not be mortgaged. If farmers want loans, they can only take the guarantee of joint households. The high threshold and high interest rate have become the biggest obstacles.

Now, whether you are a farmer or not, you can apply for a loan from a bank as long as you have land in your hand. This is the land management right mortgage loan, which is to mortgage the land management right (the right to use) to the bank and lend a certain percentage of the funds from the bank.

Who can borrow?

In general, the requirements are:

(1) In areas where land rights are determined, it is necessary to have rural land contractual management rights certificates or rural land contractual transfer management rights certificates and other documents;

(2) If land rights are not completed, the land contracting or transfer procedures are required to be legal and the code of conduct;

(3) not changing the agricultural use of the land;

(4) The village collective economic organization and the outflow party where the mortgaged land is located agree to mortgage and dispose of the loan when it cannot be returned.

Need information?

1. The standardized and effective land contract shall be transferred by the rural collective economic organization, and the entrusted circulation agreement shall be attached to the farmer;

2. Information on the attachment of ground (including underground) attachments;

3. The original and photocopy of the applicant's ID card (the applicant is also required to provide a copy of the business license and a copy of the official seal, the original and photocopy of the legal representative or the person in charge);

4. The opinion of the land contractual management right owner agreeing to mortgage;

5. Other materials required by the loan bank.

How much can I borrow?

There is no specific standard for this, and there are differences between the different regions, between banks and banks, because the land in different regions is worth the money. However, in general, if the rent of an acre of land is 500 yuan per mu in the case of a second round of contracting time of 10 years, the value is 5,000 yuan, then the mortgage loan is almost 3000-4000 yuan.

Some time ago, the mainstream of a farm in Wuduan Town, Pei County, Henan Province, transferred 124.1 mu of land, and the transfer fee was 1,000 yuan per mu per year. When the management right was mortgaged, there was only a transfer period of more than 2 years. The bank determined that his management right was 280,000. Yuan, after giving a 30% discount, he gave a loan of 200,000 yuan to him.

However, such loans can only be applied to a local designated bank. If you apply for a land management loan to a microfinance institution, they do not recognize it.

In addition, Rong 360 Xiaobian also feels that land prices in different regions are simply not comparable, just as the land in the rural areas of Beijing and the rural areas of Beijing is incomparable. Although the introduction of the policy is good, but there are so many procedures, the farmers will have a few acres of land in total, and they can add up to one or two thousand yuan. It is time-consuming and laborious, and it can be said that it is not good. But friends who need it can still try it! After all, it is a road to loans!

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