The mortgage loan of Guizhou rural credit cooperatives is generally within five years. Generally speaking, rural houses are used as homesteads and do not have the function of mortgage loans. However, it is not excluded that individual rural houses with property certificates can be used for mortgage loans. This depends on the service life of rural houses, the geographical location of new houses, the realized value and so on. There are many influencing factors, such as the age of the house, the age of the borrower, the liquidity and liquidity of the real estate, etc. In a word, these will affect the evaluation of real estate and the proportion of loans. The higher the evaluation value of real estate and loans, the more money you can borrow. The appraised value of real estate and the loan ratio will affect the loan amount of the house.

2. What branch is Guizhou Rural Credit Cooperative?

Branches of rural cooperative banks or rural commercial banks. Guizhou Rural Credit Union was established on February 30, 2003. It is a local financial institution managed by the provincial people's government and has the qualification of an independent enterprise legal person. Guizhou Rural Credit Cooperatives have jurisdiction over credit cooperatives, rural cooperative banks and rural commercial banks. The main business scope is to absorb public deposits, issue loans and discount bills.

Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.

Three, Guizhou rural credit cooperatives loans need what conditions?

Loan conditions of rural credit cooperatives in Guizhou Province:

1, with the ability to repay the principal and interest on schedule. The repayment plan approved by the lender has been made for the original loan interest payable and the loan due;

2, in addition to natural persons and without the approval of the industrial and commercial departments, the industrial and commercial departments for annual inspection procedures;

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of credit and settlement supervision and inspection funds in the account, to ensure that business plans and related business and financial statements are submitted to the loan cooperatives on a regular basis;

4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations, and in principle should be mainly real estate (such as houses and land).

4. Is there a rural credit cooperative in Guizhou that can lend money?

You can borrow money. You can go to the credit union for details. The account manager will give you detailed answers to all the questions.