一、地产和房产分别抵押的效力(一)土地使用权抵押的范围。依照《物权法》和有关法律的规定。我国土地使用权允许抵押的范围包括四类:一是建设用地使用权:二是乡村企业厂房占用范围内的建设用地使用权:三是以招标、拍卖、公开协商等方式取得的荒地等土地承包经营权:四是林地使用权及属于依法可以抵押的其他财产。同时,《物权法》规定土地所有权,耕地、宅基地、自留地使 First, the real estate and real estate, respectively, the effectiveness of the mortgage (a) the scope of the mortgage of land use rights. In accordance with the “Property Law” and the relevant provisions of the law. The allowable mortgage of land use rights in our country includes four categories: one is the right to use land for construction purposes; the other is the right to use construction land within the scope of the factory occupied by rural enterprises; the third is land contracting such as wasteland obtained through bidding, auction, open negotiation, etc. Right to operate: Fourth, the right to use forest land and belong to other property that can be mortgaged according to law. At the same time, “Property Law” provides for land ownership, arable land, homestead, reserved land use