论文部分内容阅读
编辑同志:我是农民。因建养鸡场缺少资金,想用自己的住宅作为抵押物向银行申请贷款。在银行工作的朋友告诉我,农村住房不能用于抵押。明明是我的住房,为什么不能用于抵押? 甘肃兰艳兰艳读者:1999年1月1日实施的《中华人民共和国土地管理法》第8条第(2)款规定:“宅基地和自留地、自留山属于农民集体所有。”1995年10月1日实施的《中华人民共和国担保法》第34条第(1)项规定:“用于抵押的房屋必须是抵押人所有的房屋和其他地上定着物。”该法第37条第(2)项规定:“耕
Edit comrades: I am a peasant. Due to lack of funds to build chicken farms, want to use their own homes as collateral to apply for a loan to the bank. My friend at the bank told me that rural housing can not be used for mortgage. Obviously is my housing, why can not be used for mortgage? Lan Lan, Gansu Lan Yan readers: January 1, 1999 implementation of the ”Land Administration Law of the People’s Republic of China,“ Article 8 (2) states: ”homestead and The land retained and the self-retaining hill belongs to the collective peasant. “Article 34 (1) of the” PRC Security Law “implemented on October 1, 1995 stipulates:” The house used for mortgage must be the house owned by the mortgagor And other fixtures on the ground. “Article 37 (2) of the Act states:” Plowing