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基本状况 在衢州,房产抵押贷款业务并非是一项新业务,据有关贷款史料记载,早在八十年代就有信用社涉足这一领域,但真正得到快速发展则在近几年,它对农村信用社拓展业务发展空间,缓解农民“贷款难”与信用社“放贷难”矛盾,促进农村经济与农村金融“双赢”目标实现等都起着积极的作用。衢州地区农村信用社开办的房产抵押贷款主要有城镇（县城及集镇）房产抵押贷款和农村（乡村）房产抵押贷款两大类,而每一类又分别有“两证齐全”和“两证不全”两种情形（“两证”是指房屋产权证书、土地使用权证书）,其基本运行状况如下: 1、房产抵押贷款已成为农民融资的重要途径之一。该地区农信社房产抵押贷款余额为78099.1万元,分别已占同期农业贷款（290592万元）、全部贷款（36140万元）的26.88％和21.61％,由
Basic situation In Quzhou, real estate mortgage loan business is not a new business, according to the history of the loan records, as early as the eighties there are credit agencies involved in this area, but the real rapid development in recent years, it is rural Credit unions to expand business development space, alleviating the peasants “loan difficulties” and the credit cooperatives “lending difficulties” contradictions, and promote rural economy and rural finance “win-win” goal to play a positive role. Quzhou rural credit cooperatives to start the real estate mortgage loans are mainly town (county and town) real estate mortgage loans and rural (rural) real estate mortgage loans two categories, and each category respectively, “two permits complete” and “two cards incomplete ”Two cases (“ two cards ”refers to the certificate of property rights, land use rights certificate), its basic operating conditions are as follows: 1, real estate mortgage loans has become an important way of financing farmers. The balance of real estate mortgage loans of rural credit cooperatives in the region was 780.991 million yuan, accounting for 26.88% and 21.61% respectively of the total agricultural loans (2,905.92 million yuan) and the total loans (361.4 million yuan), respectively, from