Rural housing loans are loans to individual industrial and commercial households and natural persons with full civil capacity in the county to build houses.

The object and conditions of rural self-built housing loans:

/kloc-a domestic resident aged 0/8-60 with full capacity for civil conduct. The domicile or production and business premises of the borrower shall be within the service area of the Association.

Basic conditions for applying for rural housing loans:

(a), the borrower to apply for a loan to build a house, need to be approved by the local rural construction department, in line with the local development plan.

(2) The borrower shall provide the approval documents or certification materials of the rural construction department.

(3) The borrower must have a proportion of its own funds not less than the specified amount, have a strong sense of credit, have a good credit standing, and have the ability to repay the loan principal and interest on schedule.

(3) The borrower can provide individuals or units with sufficient compensatory capacity as loan guarantees, or can use effective assets as collateral.

(four) the borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept the credit supervision and settlement supervision.

Information required for applying for rural housing loan:

(a) the identity card, household registration certificate and marriage certificate of the borrower and his family members.

(two) the use of housing loans.

(3) Basic information of the guarantor and relevant certification materials, and valid certification materials such as the property right of the mortgaged property.

(4) Other materials provided by rural credit cooperatives.

Rural self-built housing loan amount:

The amount of rural housing loans should be determined according to their own operating conditions, income levels and credit levels. , generally not more than 50% of the total housing funds.

Rural self-built housing loan period:

The term of rural housing loan should be reasonably determined according to the borrower's own operating conditions and income sources, and should be controlled within five years in principle. The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives, and credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation. The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate, and the maximum floating coefficient is 2.3 times of the benchmark interest rate.