Đánh giá việc đăng ký thế chấp bằng quyền sử dụng đất và tài sản gắn liền với đất tại huyện Yên Khánh, tỉnh Ninh Bình

0 Người đánh giá. Xếp hạng trung bình 0

Tác giả: Văn Hiểu Nguyễn, Phương Nam Phạm

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Khoa học Đại học Hạ Long, 2023

Mô tả vật lý: tr.35

Bộ sưu tập: Metadata

ID: 345289

Thêm vào giỏ Liên kết toàn văn

Bài báo phân tích những ưu điểm, hạn chế và nguyên nhân khi đăng ký thế chấp bằng quyền sử dụng đất ở của hộ gia đình tại huyện Yên Khánh, tỉnh Ninh Bình. Nghiên cứu điều tra 98 hộ gia đình đã đăng ký thế chấp và 57 người giải quyết hồ sơ đăng ký thế chấp. Trong giai đoạn 2017 – 2021, 5.610 hồ sơ đăng ký thế chấp đã được giải quyết. Tỷ lệ hồ sơ thế chấp bằng đất ở và cả đất ở với tài sản gắn liền với đất tương ứng 87,95% và 12,05%. Cơ sở vật chất, trang thiết bị tại nơi tiếp dân đáp ứng được yêu cầu. Nhân lực thực hiện đúng chức trách, nhưng còn thiếu về số lượng và chất lượng, áp lực công việc cao, mức hỗ trợ tài chính thấp. Thời hạn giải ngân các khoản vay còn chậm. Lãi suất tiền vay và phí thẩm định tài sản thế chấp còn cao với chỉ số đánh giá tương ứng 3,79 và 3,64. Thời gian giải quyết hồ sơ thế chấp ở mức trung bình, liên thông số liệu chưa tốt. Mức độ hiểu biết và chấp hành pháp luật của người thế chấp ở mức trung bình (chỉ số đánh giá 3,13 và 3,21). Các giải pháp hoàn thiện đăng ký thế chấp bao gồm: đảm bảo đủ nhân lực giải quyết hồ sơ, hoàn thiện quy định về vay thế chấp, tăng cường phổ biến pháp luật đăng ký thế chấp.The article analyzes the advantages, limitations, and their causes when residents register mortgages with residential land use rights in Yen Khanh district. The study investigated 98 households that applied for a mortgage and 57 people who settled for mortgage registration. During the 2017-2021 period, 5.610 mortgage registration dossiers were processed. The proportion of documents for a mortgage was with residential land and both residential land and land-attached assets were 87,95% and 12,05% respectively. The facilities and equipment at the reception areas met the requirements. Human resources perform the proper functions, but there is a lack of their quantity and quality, high pressure of work, low level and of financial support. The loan disbursement deadline is slow. Loan interest rates and collateral appraisal fees are still high with rating indexes of 3,79 and 3,64 respectively. Mortgage processing times are average
Data linkage is not qualified. The mortgagee's understanding and compliance with the law are at average levels (rating index 3,13 and 3,21). To complete the mortgage registration process, it would be necessary to ensure sufficient human resources
to complete mortgage loan regulations, and increase the popularity of mortgage registration laws.

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