Yes, rural self-built houses can apply for mortgage loans, but only a part of them are self-built houses, and they can only be loaned if they meet the relevant regulations. But also need a loan:

1, rural housing loan, which is used for individual industrial and commercial households and natural persons with full civil capacity in the county to handle housing loans.

2. It is required that 18-60-year-old domestic residents with full capacity for civil conduct should live in the service area of the Associated Press.

3, the borrower to apply for a loan to build a house, need to be approved by the local village construction department, provide relevant certification materials before construction.

4. The borrower must have a proportion of its own funds not less than the specified amount, have a strong sense of credit, have a good credit standing, and have the ability to repay the loan principal and interest on schedule.

The above requirements are only partial. The specific requirements depend on the regulations of banks that need to apply for mortgage loans. Different banks have different rules.

The content of this article comes from: Questions and Answers on Home Decoration Knowledge of Building Industry Press.