As we all know, loans require collateral. There are two reasons why banks require collateral. One is to ensure that you can repay on time because the collateral is still in the bank's hands. The other is that in case you really don't repay, you can get part of the fee by handling the collateral. However, not everything can be used as a mortgage. Generally speaking, the most common thing is the real estate certificate, which is the house. So can houses in rural areas be used for mortgage loans?

Can houses in rural areas be used for mortgage loans?

Yes, no guarantor is required, but the premise is that your house must have a real estate certificate and After evaluation.

In the past, rural housing could not be mortgaged, mainly because rural housing only had collective land use rights certificates and no housing rights certificates. That is, rural housing lacked registration and confirmation systems, and property rights were unclear. Therefore, when farmers apply for rural housing mortgage loans, rural houses must be approved by the village committee, the land rights unit where the house is located, and the mortgagor must have property disposal rights over the mortgage. If private property is used as collateral, the mortgagor must obtain *** Someone’s consent.

First of all, the mortgaged house must be registered for house ownership and obtain a house ownership certificate issued by the real estate registration authority. The "Interim Measures" stipulate that to register housing ownership, applicants need to submit a housing ownership application, a valid ID card, a collective land use right certificate, a housing project quality status sheet, a registered housing construction area surveying report and other documents to the housing management department. .

Secondly, to apply for house mortgage registration, the applicant should submit a mortgage registration application to the housing management department, as well as the identity cards of the mortgagor and mortgagee, loan and mortgage contracts, collective land use certificates and housing rights certificates, etc. If the ownership is in dispute or the collective land use right certificate and housing right certificate have not been obtained, no mortgage shall be set up.

Loan collateral is evaluated by a professional appraisal agency, and the loan amount is generally 60% of the value of the collateral.

Loan collateral conditions

1. The property used for mortgage and the loan agency must be located in the same city, and personal mortgage home purchase loans do not accept collateral from other places;

2. Properties with an estimated current value of less than 100,000 yuan (inclusive) are not accepted as collateral;

3. The property rights certificate has been completed, the property rights are clear, the property can be listed and circulated, and the mortgage registration can be handled in accordance with the law. , there are no unfavorable realization situations such as property rights disputes;

4. It has strong liquidity, the property structure is intact, and the supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, and property management are complete. There are no disputes or problems, and it is not within the scope of demolition planned by the government;

5. If the mortgage is a commercial house, the age of the house generally does not exceed 20 years, and the loan/credit period should not exceed 40 years in principle. years; if the mortgage is a commercial building, the age of the house shall generally not exceed 20 years, and the loan/credit period shall in principle not exceed 30 years;

6. In principle, it is not acceptable to leave idle for more than 6 years months of commercial property as collateral.