Shandong commercial newspaper reporter Zheng Xinru
rural contracted land management rights and farmers' housing property rights how to mortgage loans? Recently, the provincial government introduced the implementation opinions on the pilot work on the management rights of rural contracted land (refers to arable land) and the housing property rights of farmers (hereinafter referred to as the "two rights"). Reporters learned that two mortgage loans no longer need other collateral in the future. With the housing property rights of farmers as mortgages, it should be mortgaged with the right to use homestead, which means that the transfer mechanism of the right to use homestead will be more standardized.
in the loan object, the focus of the selection of farmers and agricultural leading enterprises, family farms, major and agricultural cooperatives and other new agricultural operators. In the design of the loan products, we should explore the loan products of the rural contracted land management right and the farmer's housing property right as a single mortgage, and reduce the approval authority to shorten the time of examination and approval. The mortgage period of contracted land management right in rural areas should not exceed two rounds of contract remaining period, or the remaining time limit for the transfer of contracted land management rights. If the farmers' housing property rights are mortgaged, the right to use the homestead and the ownership of the housing should be mortgaged together. We should explore the mechanism of compensated transfer of the right to the use of homestead. When the borrower does not fulfill the maturity debt or the circumstances agreed by the parties need to be mortgaged, the financial institutions can deal with the mortgages according to the law of the rural property transfer trading market and the agreement transfer under the premise of guaranteeing the farmers' right to contract and the basic housing rights.
pilot counties (cities and districts) should set up a "two right" mortgage loan risk compensation fund to make a certain proportion of the risk loans formed by the "two rights" mortgages. The counties (cities and districts) with better basic conditions can subsidize the "two rights" mortgage loan and lighten the financial burden of the main body of the agricultural operation. The pilot counties (cities and districts) are financed by the finance, set up agricultural financing Guarantee Corporation, slow down the risk of "two rights" mortgage loans, and mobilize the enthusiasm of financial institutions to grant loans.