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宅基地抵押贷款流程是什么？

浏览：40次 | 提问时间： 08-10 04:14
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4个答案
烟成瘾 08-10 04:15

宅基地抵押贷款流程一般要请中介机构比如会计师事务所做个资产评估，然后根据资产价值与银行协商确定贷款额度、比如总价值的80%，利率会根据个人信用状况来定，有可能比基准利率高点。另外就是土地权属证明要先准备好，否则上面工作就不必做了。

憎厌她 08-10 04:23

你好，宅基地是集体土地，属于集体所用，家庭只有使用权，没有*权，故不能办理抵押贷款。

我是奇葩中的霸王花不懂我就不要说我变了 08-10 04:31

我国法律明文禁止宅基地使用权办理抵押贷款，对于宅基地上的房屋是否可以抵押的问题，可以进行具体分析。在我国，房屋所有权转让一般实行“地随房走”的原则，如果允许抵押房屋，那么宅基地使用权也应该一并抵押。允许抵押农村宅基地，存在诸多问题。比如，因实现抵押权而丧失宅基地的村民，如果不能再次分得宅基地，其居住将难以解决。

步步为营▽ 08-10 04:40

你好，宅基地不可抵押贷款，房管部门不受理抵押登记、银行部门暂时没这业务~·因为宅基地不能随便*··城市户籍也不能购买拥有··希望对你有帮助。

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