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      "author": "godwinkalu",
      "permlink": "can-church-building-be-used-to-secure-facilities-from-financial-institution-or-can-it-be-used-as-collateral-to-obtain-loan",
      "title": "CAN CHURCH BUILDING BE USED TO SECURE FACILITIES FROM FINANCIAL INSTITUTION? OR CAN IT BE USED AS COLLATERAL TO OBTAIN LOAN",
      "body": "Hello fellow steemians today we will be talking about church buildings been able to be used as collateral. So the big question is can Church building be used to secure facilities from financial institution? Or can it be used as collateral to obtain loan? Here are some good points: \n\nFirstly what is a Church: A church is a house of worship or a building where religious services take place. A church can also be referred to a place where two or more people come together to worship and praise God in their own language.\n\n![2D5A760B-EEB8-4748-B9DF-DD5D88ABE645.jpeg](https://steemitimages.com/DQmf4Hs98aKujiub1zD5ucst8rEb8JRB89Yy1pod7pCoZxw/2D5A760B-EEB8-4748-B9DF-DD5D88ABE645.jpeg)\n\nChurch building cannot be used as collateral to acquire loan from financial institution with the following facts:\n\n![759F7E84-7E1A-421F-8F7F-F85400A4BA28.jpeg](https://steemitimages.com/DQmQEGHA9azNqUu3a8Sg8mZ58Dy8F6cTh3NzBiCjKnXUhBa/759F7E84-7E1A-421F-8F7F-F85400A4BA28.jpeg)\n\n• A church is not an income producing property, that is, it is a none - income yielding property. Rate cannot be charge on none income producing property but rate can only be charge on income producing property. Rate is the amount of money charge on real estate. Income on real estate is base on the building. Rates are charge on income producing property such as factories, supermarket, hotels, petrol filling stations, etc. Rate cannot be charge on church building and shrine because they are none-income producing property and with this, church and shrines cannot e used as collateral to acquire loan from financial institution.\n\n• A church cannons be tax but the investment can be taxed. If the income realised from the church is used to establish a hotel, school, hospital, shops etc and it is a personal property, that is owned by an individual and it does not bears the name of the church, such property can be used as collateral to acquire loan from financial institution. The banks look at a co-operate title before issuing out loan. Tax is a compulsory imposition of levy within a society on individuals, organisation, companies, goods and services. It is a sum of money paid by citizens of a country, state or community to the government for public purpose.\n\n• A church cannot be used as collateral to acquire loan from financial institution because in terms of selling such property, it will be very difficult for the bank to sell the property because it is a special property and no one will be willing or interested in buying such property. A church cannot be easily exchange and it can’t be rarely sold or bought in the open market. A church is a public owned property and in some cases they are private owned property which comprises of board of trustees.\n\n![B0E1EDD5-E775-452A-BFDE-3EA353AA2522.jpeg](https://steemitimages.com/DQmZWFu1QHqyv2LEit3f9X7XqWJyvTb4X5KCbom4HFNze5n/B0E1EDD5-E775-452A-BFDE-3EA353AA2522.jpeg)\n\n![A9061DB1-E06E-4B64-ACA2-06A979F81C14.jpeg](https://steemitimages.com/DQmXcc7x71fTJY4EJEnMrkfdihxT946Z8NcvsXBr8whMwx5/A9061DB1-E06E-4B64-ACA2-06A979F81C14.jpeg)\n\n• Before a property can be used as collateral to acquire loan from financial institution, such property must have a certificate of occupancy (c of o). \n\n![A586268A-4486-49DB-994B-D4AF5DE735C4.jpeg](https://steemitimages.com/DQmPRNbm1ngxsHKYxi7fwJX8JUTpfaStwHRtbifLbtntksG/A586268A-4486-49DB-994B-D4AF5DE735C4.jpeg)\n\n![43507B08-E7C4-4F5F-BCB0-ED9F71866C83.jpeg](https://steemitimages.com/DQmV3AnYqAjzDVQkEegATXK1VH74BCGQ3WgegVtLi4fEuVL/43507B08-E7C4-4F5F-BCB0-ED9F71866C83.jpeg)\n\n• A church cannot be used as collateral to acquire loan from financial institution because when acquiring the land in which the church will be established upon, the land will not bear the name of the pastor, but rather bears the name of the church, for example, the Redeemed Christain Church of God permanent site, Christ Apostolic Church permanent site, Assemblies of God permanent site, church of God Mission permanent site etc. Since the land acquired by the church, bears the church name, the bank cannot accept the property as collateral to acquire loan. A property can be used as collateral when the property is a personal property and all the document of the property bears the person’s name\n\nHope you agree with the above point. Stay tuned and get more general knowledge you need to know on http://steemit.com/@godwinkalu. Happy Sunday!",
      "json_metadata": "{\"tags\":[\"religion\",\"education\",\"steemit\",\"stach\",\"nigeria\"],\"image\":[\"https://steemitimages.com/DQmf4Hs98aKujiub1zD5ucst8rEb8JRB89Yy1pod7pCoZxw/2D5A760B-EEB8-4748-B9DF-DD5D88ABE645.jpeg\",\"https://steemitimages.com/DQmQEGHA9azNqUu3a8Sg8mZ58Dy8F6cTh3NzBiCjKnXUhBa/759F7E84-7E1A-421F-8F7F-F85400A4BA28.jpeg\",\"https://steemitimages.com/DQmZWFu1QHqyv2LEit3f9X7XqWJyvTb4X5KCbom4HFNze5n/B0E1EDD5-E775-452A-BFDE-3EA353AA2522.jpeg\",\"https://steemitimages.com/DQmXcc7x71fTJY4EJEnMrkfdihxT946Z8NcvsXBr8whMwx5/A9061DB1-E06E-4B64-ACA2-06A979F81C14.jpeg\",\"https://steemitimages.com/DQmPRNbm1ngxsHKYxi7fwJX8JUTpfaStwHRtbifLbtntksG/A586268A-4486-49DB-994B-D4AF5DE735C4.jpeg\",\"https://steemitimages.com/DQmV3AnYqAjzDVQkEegATXK1VH74BCGQ3WgegVtLi4fEuVL/43507B08-E7C4-4F5F-BCB0-ED9F71866C83.jpeg\"],\"links\":[\"http://steemit.com/@godwinkalu\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\"}"
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