Abstract
The study aims to identify influencing factors and their influences on the residential land use right mortgage as the basis for proposing solutions to improve land use right mortgage. The study used methods of collecting secondary and primary data; processing and analyzing data using SPSS20.0 software. There were 5268 cases of land use right mortgage registration, 3240 cases of land use right mortgage removal and 924 cases for changing contents of land registration. The study identified 7 factor groups with 27 factors affecting land use right mortgage. The credit factor group has the biggest impact at the rate of 18.21%, followed by the 6 other factor groups. Solutions which to be implemented include completing procedures for reviewing mortgage loan documents; amending and adding regulations on mortgage lending; completing procedures to handle mortgage debt; completing human resources, facilities and mortgage registration procedures; freeing loan dossier evaluation.
Highlights
The mortgage is one of the widely used financial instruments in pre-modern Europe in which land is the most used asset as a security for debt payment because it cannot be disappeared or moved elsewhere (Briggs & Zuijderduijn, 2018)
The district’s economic structure has been shifted towards increasing the proportion of industry - handicrafts and trade - services, sharply reducing the proportion of agriculture
The credit factor group has the biggest impact on land use right mortgage at the rate of 18.21%
Summary
The mortgage is one of the widely used financial instruments in pre-modern Europe in which land is the most used asset as a security for debt payment because it cannot be disappeared or moved elsewhere (Briggs & Zuijderduijn, 2018). The mortgage of land is one of the measures to limit risks and to ensure the performance of obligations in civil, economic and commercial transactions and is the basis for generating the validity of the mortgage contract. There have been many studies on various aspects of land mortgage. Research by Bogin & Shui aimed to build a model of rural land pricing to meet different needs, including determining land prices when taking out a mortgage (Bogin & Shui, 2020). Research by Blackburn & Vermilyea aimed at determining home prices that are beneficial to mortgage borrowers (Blackburn & Vermilyea, 2007). Cho and Megbolugbe’s research focused on the ethical issue of valuing mortgages when borrowers used them as collateral (Cho & Megbolugbe, 1996)
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