First, how to loan rural real estate?
1. Pre-loan consultation for real estate mortgage borrowers: fill in the Application for Residential Property Mortgage and submit the following supporting materials from the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; Relevant certificates of house property rights or certificates that I have the right to control the house according to law; Appraisal report, appraisal report and insurance documents of the mortgaged property; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower of the real estate mortgage loan will hand over the title certificate, insurance policy or securities of the mortgaged real estate to the bank for safekeeping.
4. The borrower of real estate mortgage loan and the guarantor of the borrower sign the Housing Mortgage Loan Contract and notarize it.
5. After the real estate mortgage loan contract is signed and notarized, the bank's deposits and loans to the borrower will be transferred to the selling unit or building unit specified in the purchase contract or agreement.
6 loan settlement, including normal settlement and early settlement.
① Normal settlement: settlement on the maturity date of the loan (one-time repayment of principal and interest) or settlement in the next period after the loan (installment repayment);
② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Second, what are the procedures for rural real estate?
1. The mortgaged house must have obtained the property right certificate and the collective land use certificate; The mortgagor who applies for rural mortgage loan shall, after the mortgaged property is sold and disposed of, provide the residence by a third party, and make a written commitment to ensure that the mortgagor will not be homeless.
2. Conditions for applying for rural mortgage loan: The borrower's household registration must be in the county (city, district) where the land applying for rural mortgage is located; Rural housing mortgage must be approved by the rural collective economic organization where the house is located, and a certificate of consent to mortgage and consent to disposal shall be issued;
3. The risk control mode and mortgage rate of rural mortgage loans are determined by the bondholders (financial institutions, etc.) in principle. According to their own business development and risk prevention needs, through independent consultation.
The above is how to get loans for rural real estate and what procedures are needed for rural real estate. As long as the house has relevant procedures, it is possible to apply for a real estate mortgage loan, but the relative procedures and information requirements are also quite strict, so if you apply for a loan, you must carefully prepare relevant materials.