Rural self-built houses can be loaned by housing provident fund. Requirements for applying for provident fund loans: 1. The housing provident fund system has been established for one year, and the housing provident fund has been paid in full monthly for more than half a year; 2. Have a stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. There are legal purchase (construction, renovation, overhaul) housing contracts, agreements and supporting documents approved by relevant departments; 4. If you buy a house, you should have paid a down payment of not less than the specified proportion; Construction, renovation and overhaul of housing, can pay not less than the prescribed proportion of the construction, renovation and overhaul of housing costs down payment or self financing; 5. Can provide the guarantee conditions recognized by the management center. At present, the guarantee method recognized by the provident fund management center is that the house with property rights is used as the mortgage of the loan, and the guarantee company or real estate company uses the house purchased by the loan as the mortgage of the loan, and at the same time provides joint or phased guarantee and joint guarantee of the housing provident fund. Information required for applying for housing provident fund: 1. Purchase of owner-occupied housing: individual application, unit certificate, purchase contract and invoice (see the original, keep a copy); 2. Divorce and retirement: personal application, unit certificate, divorce and retirement approval (original and photocopy); 3. On-the-job death: the identity certificate of the entrusted extractor, the certificate of the unit where the extractor works and the death certificate (original and photocopy); 4. Self-built and self-occupied housing: individual application, unit certificate and building approval procedures (original and photocopy of the permit); 5. Renovation and overhaul of self-occupied housing: original and photocopy of individual application, unit certificate and relevant approval procedures; 6. Exit and settlement: individual application, unit certificate and exit and settlement certificate; 7. Repaying the principal and interest of the house purchase loan: individual application, unit certificate. Steps to apply for housing provident fund loan: 1. Preliminary examination: The Housing Provident Fund Management Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation; 2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated; 3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice"; 4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution; 5. Sign a loan contract; 6, housing fund management center and the entrusted bank loan agreement; 7, the borrower directly to the housing fund management center to apply for loans, the entrusted industry can collect the borrower's application materials according to the need, unified housing fund management center for approval; 8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank; 9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.