Rural homesteads will usher in new opportunities after 2020. What does “1-to-1-to-1 mortgage” mean?

For thousands of years, land has been the magic weapon for farmers to survive. It is their most precious wealth, the guarantee of the most basic life for farmer brothers, and the rice bowl for eating.

The Party Central Committee has also been thinking about farmers and seeking benefits for farmers. In order to protect farmers’ land rights and interests to the greatest extent, the country has launched a series of guidelines and policies and carried out a series of land reforms, including land reform. A series of policies and regulations that benefit the people, such as contracting and land transfer.

Recently, the country has further pushed the land reform work to a climax, such as confirming land rights, separating the three powers, etc. At present, more than 94% of households across the country have obtained land contract management rights certificates. The confirmation of homestead rights in most areas across the country will also be completed by the end of 2020. By the end of 2020, most households will be able to obtain a brand new certificate. Real estate certificate.

The new real estate certificate implements integrated registration of homestead and house. It not only contains information on the land area of ??the house, but also contains exact information such as the building area of ??the house, making the boundaries of ownership clearer. Farmers can freely determine their own homestead and property rights, and can more effectively safeguard their legitimate rights and interests. Once the ownership of the homestead and housing is clear, there will be more things that can be done. So, what is the use of getting a real estate title certificate? What do you mean by "one transfer, one transfer, one mortgage"?

The rights to use farmers’ homesteads can be transferred in accordance with the law

With the new real estate certificate, the rights to use farmers’ homesteads can be transferred in accordance with the law, allowing farmers to live their property. Woke up.

Homestead transfer means the transfer of homestead use rights. As we all know, before this, rural homesteads were collectively owned, and individual farmers were not allowed to buy or sell homesteads. However, the right to use homesteads could be transferred in accordance with the law.

At present, the country is also promoting the policy of separation of three rights for homestead land (ie, separation of homestead ownership, qualification rights, and use rights). After the separation of three rights in rural homesteads, the ownership of rural homesteads belongs to farmers' collective economic organizations, the qualification rights belong to farmers, and the use rights belong to users (for example, if A rents a house to B, then B will obtain the homestead The right to use it, it doesn’t matter even if B has an urban household registration).

? Once idle homestead land can be converted into collective commercial construction land and put into market transactions

Currently, farmers build houses on their own homesteads, in addition to living in them, because many of them do not work at home. If you buy a house in the city, you won't be able to live in it; this results in the house being idle, which is a waste of resources.

The state fully takes this into consideration for farmers, encourages village collectives and farmers to make full use of idle homesteads and idle residences, and allows the development of farmhouses and B&Bs in accordance with laws and regulations through independent operations, cooperative operations, entrusted operations, etc. , rural tourism, etc.

Homestead ?1 entry? refers to the return of homestead land to the market for dividends. As we all know, the country currently allows collective commercial construction land to enter the market. The "Opinions on Establishing and Improving Institutional Mechanisms and Policy Systems for Integrated Urban and Rural Development" states: "Village collectives are allowed to convert idle homestead sites and abandoned collective public welfare construction land into collective commercial construction on the premise of farmers' voluntariness in accordance with the law." The land enters the market. ?

After the confirmation of rights at the end of 2020, the ownership of all homestead sites has become clear and legal obstacles have disappeared. The collective can safely utilize the idle homestead sites of each villager household.

After the idle homestead land is converted into collective commercial construction land and entered the market, the benefits to the farmer brothers are obvious, and the farmer brothers can increase more income.

One mortgage can be used for mortgage loans with farmers’ housing property rights

Homestead one-off mortgage refers to farmers’ housing property rights mortgage loans.

In the past, everyone only heard that commercial houses in the city have property rights certificates, and the property certificates can be used as mortgage loans. Everyone must be envious.

With the new real estate certificate, farmers’ housing property rights can also be mortgaged. Farmers' housing property rights mortgage loans refer to loans issued by banking financial institutions to qualified farmers' housing owners using the ownership of farmers' housing and the right to use the homestead as collateral without changing the nature of the homestead ownership. A loan with principal and interest repaid within an agreed period. In this way, farmers don’t have to worry if they want to do business, engage in breeding, or are short of funds for weddings or funerals.