Jiaxing Haiyan housing mortgage assets such as you activate these tsumori chisato

Jiaxing Haiyan housing mortgage assets such as these you activate in Haiyan Baibu Town victory village village on a small building style row upon row of array. Qian Xuefeng, the winner of the village, is using his spare time at work to sort out the alloy fittings in his new house. Qian Xuefeng’s victory village is the pilot village of the whole village land circulation in Haiyan County. In 2013, Qian Xuefeng built the house in the new village. The completion of new homes, stable work, sons and daughters, a small day money Xuefeng is very moist. However, money is essential to Xuefeng head "strive for further improvement, buy alloy parts, the whole family is free of packaging and sales. Although it is a sideline of my family, it can sell about 200000 yuan a year, and there are still a lot of income!" Qian Xuefeng told Xiao bian. Now Qian Xuefeng’s "small business" is on the right track, but at the beginning, he was really worried about "starting capital". "The house has just been built, and it’s tight at hand."." Qian Xuefeng said, at this time, the village cadres raised a wake up. At that time, I suggested to him that we could use the house land mortgage loan." Victory village cadres Zhong Xuegen said. Originally, there is a special for the rural "three rights" "agriculture through" and "farm house", "agricultural stocks through other financial products, farmers can respectively use their own land contract management rights of rural land usufruct of collective assets, equity as collateral loans to rural credit cooperatives. Qian Xuefeng asked, the interest is relatively low. In 2015, money Xuefeng got the homestead usufruct warrants, their home is 90 square. "Suitable for my loan" is "farm house through", that is, with our home homestead usufruct warrants as collateral, to the Rural Credit Union loans, I have provided the relevant materials, apply for a loan of 250 thousand yuan." Qian Xuefeng said, "3 days, the money hit my account."." It is with this start-up funds, so that the Qian Xuefeng family over the more prosperous. Wu Fengsheng, a 60 year old village winner, looks younger than his age. Since their land transfer to four southern Carpathian farm, he hired in this farm. A fixed income of nearly 3000 yuan per month on the farm, and the work is familiar." Wu Fengsheng said. Wu Fengsheng’s original 8 acres of contracted farmland, all year round hard farming, only about 8000 yuan of income. "Now, all my land has been transferred, and there are thousands of dollars per year." Wu Fengsheng said happily. Not only does income increase, but people also relax. Last year, our family built a new house in the new village. Now, like the city people, we begin to eat dinner at 5 every night, and the life is very leisurely." Wu Fengsheng said. The two farmers mentioned above have benefited so much, and they have to say that they are the credit of the "three rights" reform in Haiyan rural areas. Say so much, "three rights" in the end is which three? Three rights: Farmers’ land contractual management rights, farmers’ homestead usufructuary rights, farmers’ collective assets shareholding rights. The peasants can use these three rights to pledge the pledge of property so as to realize the property rights and expand the financing channels. What’s the effect of the reform of "three rights" in Haiyan? The right to do the work is basically completed.

嘉兴海盐农房可抵押贷款 这些资产等你激活在海盐百步镇得胜村的新村点上,一幢幢气派小洋楼鳞次栉比地排列着。得胜村村民钱雪峰正利用上班的空余时间在自家的新房子里整理着合金配件。钱雪峰所在的得胜村是海盐县土地整村流转的试点村,2013年,钱雪峰在新村的房子造好了。新居落成,工作稳定,儿女双全,钱雪峰一家的小日子很是滋润。但是,脑子活泛的钱雪峰还想“更上一层楼”,买来合金配件,全家人有空就进行分装再销售。“虽然是我家的副业,但每年也能销出20多万元的货,收入也还不少呢!”钱雪峰告诉小编。现在的钱雪峰“小生意”也算是步入了正轨,但是刚开始的时候,他着实为“启动资金”发了一把愁。“房子刚刚造好,手头也比较紧张。”钱雪峰说,这个时候,村干部提了个醒。“当时我就向他建议,可以使用宅基地抵押贷款。”得胜村村干部钟雪根说。原来,有一个有专门针对农村“三权”的“农钻通”、“农宅通”、“农股通”等金融产品,农民可以分别用自家的土地承包经营权、农村宅基地用益物权、集体资产股权作为抵押,向农村信用联社贷款。钱雪峰一问,利息都是比较低的。2015年,钱雪峰拿到了宅基地用益物权证,他们家是90个平方。“适合我的贷款方式是‘农宅通’,也就是用我们家的宅基地用益物权证作为抵押,向农村信用联社贷款,我就提供了相关的材料,申请到了25万元的贷款。”钱雪峰说,“3天时间,款就打到我的账户上了。”正是有了这笔启动资金,让钱雪峰一家日子越过越红火。今年60岁出头的得胜村村民吴凤生,看上去比实际年龄要轻一些。自从自家的土地流转后给江南四阡农场之后,他就在这家农场里做帮工。“在农场里每月近3000元的的固定收入,而且工作也是自己熟悉的。”吴凤生说。吴凤生家原有8亩左右的承包田,一年到头辛辛苦苦耕种,也只有8000元左右的收入。“现在我的田地全部流转了,每年仅流转费就有万把块。” 吴凤生说开心地说。“不仅收入增加了,人也轻松了。去年我们家就在新村点造了新房子,现在我们也像城里人一样,每晚5点多就开始吃晚饭了,生活很是悠闲。”吴凤生说。上面说到的两位农民有如此受益,不得不说是海盐农村“三权”改革的功劳。说了那么多,“三权”到底是哪三个呢?三权:农民土地承包经营权、农户宅基地用益物权、农民集体资产股份权。农民可以用这三个权进行抵(质)押,从而实现财产权利,拓展融资渠道。海盐农村“三权”的改革成效如何呢?确权工作基本完成。二轮土地承包,7.6万户签订承包合同,登记到户率达100%。农房测绘6万户,宅基地使用权确权率达97%,农房发证完成55%以上。105个行政村(社区)实行了股份制改革,实现了全覆盖。2015年底全县村(社区)拥有集体资产总额18.94亿元,村均1804万元。完善产权交易体系。在全省率先建立了县、镇、村三级农村产权交易服务平台,并开通了三级联网系统。2009年以来,累计交易1027宗,涉及农村产权2类,交易金额1.34亿元。推进金融配套改革。针对农村“三权”,先后推出了“农钻通”、“农股通”和“农宅通”系列金融产品,实现了农民“三权”金融产品全覆盖;建立“深化农村综合改革风险补偿基金”;农村产权累计发放贷款达8.1亿元。相关的主题文章: