Refers to the legal conduct of the debtor to the land use rights guaranteed obligation. Land mortgage is not the most basic form of real estate mortgages, the general adoption of the land contract. Mortgage is a subordinate nature of the claim of real right for security, which creditors get a real right guaranteed debt guaranteed by the others.

Land mortgage

       The debtor or the third party obligations as a guarantee of the property rights. Its essence is to provide for the relationship of creditor's rightIntermediaryEnsure the form and substance, the legitimacy and effectiveness of the maintenance of property.

The land mortgage loan process

        1 according to the need to apply for the loan and the bank promised mortgage rate (amount / collateral assessment value) total assessed value fall launch collateral should achieve

2 consulting fixed maximum assessment unit property assessment agencies for the goal of collateral assessment can be achieved, the total assessed value divided by the maximum assessment unit and then according to the first step to calculate the collateral should be calculated collateral required area

3 according to the collateral second steps above calculated area, first in the CAD plans to draw the land area in accordance with the bank mortgage loan conditions

Mortgage land area 4 with the third step to draw to the Land Bureau of land cadastral surveying and mapping, surveying and mapping out the mortgage

5 according to mapping to the property assessment agencies for assessment issued an assessment report

6 and bank credit officers together with the assessment report and the company's relevant certificates (business license) to the Land Bureau cadastral division for mortgage registration, fill in the mortgage loan contract. Provide the loan application and the company agreed to mortgage target plots to bank shareholders will also (resolution or the board) and so on

7 fill in the mortgage loan contract to provide relevant information required by the bank after bank lending requirements, wait. This basic operation of the entire mortgage program is finished

Case:

Q: 20 mu (big mu), can loan?

Answer: it is hard to say, first of all see you this is what nature, state-owned or collective, again see you this land use, residential or commercial, or industrial; and then to see you this planning restrictions, such as the plot ratio, building density what. Also see you this is what city, which lots of, the degree of prosperity. You will see the shape Is it right? Rules, utilization rate. In short light you said 20 acres not sure can borrow much
       General land mortgage loan you first to assess the Land Bureau, if the provisions of the land mortgage loan maximum can not be higher than the evaluation of 70%. or see you find what the banks, many banks are not the pure land loans, generally to building what good loans

Land mortgage procedures:

1, the project provides the front-end data for trial (color scanning files, clear): A, loan application, specify the amount and time limit of project survey, loan, payment plan, source of repayment, the repayment plan; project B, copy of business license, credit card, the real estate development enterprise qualification certificate; C, collateral ownership certificate (the use of state-owned land, real estate card), or pre assessment report issued by D, the value of the mortgaged property assessment agencies; E, the feasibility study report of the project; F, 2009 balance sheet, income statement, cash flow statement, it is best to audited financial report in 2009, financial statements of the last month. 2, the capital after the examination, signed the "contract" Project Financing Consultant and advisor; 3, the project according to the "real estate projects list" to provide a full set of effective, clear color scanning documents; 4, the funds through the project data review, the direction of funds project party a business letter, in Guangdong capital and project financing issues a preliminary communication, reached a cooperation agreement, the capital to the project of project progress, collateral conditions. 5, funds will set the financing plan, raise funds; 6, funds and projects to apply for mortgage registration, payment of funds, funds for construction and operation monitoring project.

Business loans to provide to Guarantee corporation: (1) proof of ownership; (2) the report card property assessment of the latest; (3) the board of directors through a resolution mortgage (all the members of the board of directors signature); (4) mortgage applications (5) the most recent balance sheet, profit statement.