Bank loan is a kind of loan that people will choose when they are short of money. The purpose of borrowing money generally needs to be clear. Moreover, in order to prevent the borrower from failing to repay the loan in time, it is necessary to mortgage some properties, such as real estate. Houses in rural areas are very different from those in urban areas, so when applying for loans, there are doubts about whether rural real estate licenses can be loaned. The following small series will talk to you about whether rural real estate licenses can be loaned.

First, can rural real estate licenses be loaned?

According to China's Property Law and its Land Management Law, the current policies and laws restrict the circulation of collective land use rights. Members of the village collective can apply for a homestead to build a house for free, but they have no right to dispose of the land under the house. Therefore, according to normal operation, rural real estate licenses cannot be loaned.

Second, how to handle rural loans.

(A) village bank loan conditions

1. Open a personal settlement account in the bank and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

2. Have a fixed residence, local permanent residence and valid residence certificate;

3. The borrower has a harmonious family, stable income and the ability to repay the principal and interest on schedule;

4. Personal credit records are good, there is no malicious default or evasion of bank debts, and they are willing to accept the credit supervision of banks;

5. Having the labor ability, basic skills and necessary facilities for planting, breeding or providing services for agricultural production;

6. Other conditions that the Bank deems necessary.

(B) the process of village bank loans

1. The rural house lender needs to apply for the real estate license for his rural house first. This step can be omitted if the farmer's farm house already has the property certificate of the house.

2. Then submit the application for rural housing loan. After the loan bank agrees, you can use the rural house of the rural house lender as collateral, go to the real estate department for housing evaluation, registration, mortgage and issuance of other house warrants, together with the rural collective land use right and real estate license that the rural house lender has the right to use as loan collateral, and sign a commitment letter for service repayment of the rural house lender.

3. After that, the lending bank will handle the loan procedures. The loan amount of rural housing is generally controlled within 70% of the valuation of rural housing. The term of rural housing loan cannot exceed 20 years, nor can it exceed the legal retirement age of the borrower.

(3) Rural housing loan materials

1. The ID card and household registration book of the rural housing lender, together with a copy of the ID card and household registration book;

2. The actual situation of production and operation of rural housing lenders and the stable income of family economy;

3. The loan purpose of rural housing lenders;

4, the list of collateral, collateral use and housing warrants, collective land use permits and other legally binding ownership documents;

5 rural housing lenders' ownership and mortgage status of collateral, and the loan bank's commitment to the disposal of collateral;

6 farmers can not repay the loan, with the consent of the rural collective economic organizations.

7. Written proof that the rural housing lender agrees to the bank's disposal of the mortgaged house;

8. If a third party other than the rural house lender is required to provide guarantee, a third-party guarantee and other relevant documents and materials shall be issued at the same time;

9, rural housing * * * Someone agrees with the written opinion of the house mortgage;

10. Open a settlement account in the local rural credit cooperative;

1 1. Other materials specified by the rural credit cooperatives where the rural houses are located.