Mortgage loan process of rural self-built houses:

1. Submit a loan application. The borrower prepares the required information, submits the loan application, fills in the information as required, and submits it to the bank for review.

2. Bank audit. After receiving the borrower's loan application, the bank examines the application materials to verify whether it is true. After the audit is completed, the bank will give the audit results. If it passes, go to the bank to go through the formalities. If it fails, it will tell the specific reason.

3. sign the contract. After receiving the notice from the bank, go to the bank with relevant information, discuss the relevant contents with the bank, and you can sign a loan contract.

4. Go through the mortgage formalities. After the loan contract is signed, the applicant needs to go through the formalities of rural housing mortgage loan and loan insurance.

5. Bank loans. After the formalities are completed, the bank will release the loan to the designated account on the agreed date, and the applicant only needs to repay it on time.

Where can I get a loan for my own house?

1. Banks can apply for loans for building their own houses, such as Agricultural Bank, Industrial and Commercial Bank, China Construction Bank, China Bank, Postal Bank and so on. But not all self-built houses can apply for loans. For example, self-built houses in rural areas are self-built houses with small property rights, and no matter which bank can apply for loans. If you are building a house in the urban area and the nature of the land is commercial land, then you can apply for a self-built house loan at the bank. In addition, the regulations in each region are different. Please refer to the loan regulations of the local bank.

Second, how much can I borrow from a self-built house loan? Because our government has different policies in different places, the loan amount and interest of rural self-built houses are definitely different. However, from the overall loan situation, the loan amount of rural self-built houses is determined according to their respective operating conditions, income levels and credit degrees. Usually, the loan amount will not exceed 50% of the total funds for self-built houses, and the loan period of banks for this type of houses is generally controlled within 5 years.

Three, rural housing loan application conditions:

1. The house that the borrower applies for a loan to build must be approved by the local village and town construction department and conform to the local development plan.

2. The borrower shall provide the approval documents or certification materials of the rural construction department.

3. 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.

4. The borrower can provide individuals or units with sufficient compensatory capacity as loan guarantees, or use effective assets as collateral.

5. The borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept credit supervision and settlement supervision.

6. When applying for self-built mortgage loan, there should be no bad credit record.

How to borrow money for rural self-built houses

First of all, self-built houses and their applicants must meet the loan conditions stipulated by the state: 1. The house that the borrower applies for loan construction must be approved by the local rural construction department and conform to the local development plan.

2. The borrower shall provide the approval documents or certification materials of the rural construction department.

3. 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.

4. The borrower can provide individuals or units with sufficient compensatory capacity as loan guarantees, or use effective assets as collateral.

5. The borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept credit supervision and settlement supervision.

Rural self-built housing loan process:

1. The loan owner should first apply for a loan certificate from the local rural credit cooperative.

2 rural credit cooperatives after receiving the application, the applicant's credit rating is evaluated, and according to the assessed credit rating, the credit loan amount of the corresponding grade is approved, and loan vouchers are issued.

3, farmers need small credit loans, you can hold the "loan certificate" and valid identity documents, directly to the rural credit cooperatives.

4, rural credit cooperatives after receiving the loan application, to review the purpose and amount of loans, loans can be issued after passing the examination.

Materials needed for rural self-built houses:

1, ID card of the borrower and its family members, household registration certificate, and the borrower's marriage (divorce) certificate.

2. Proof of use of housing loan.

3. Basic information of the guarantor and relevant certification materials, valid certification materials such as the property right of the mortgaged property, etc.

4. Other materials provided by rural credit cooperatives.

Can I apply for a loan for a self-built house in rural areas?

Generally speaking, rural self-built houses can be loaned, but the lender must meet certain loan conditions. First of all, the house built by the lender must be located in the service area of the loan credit cooperative and must meet the following conditions: (1) The lender must be 18 to 60 years old and must be a natural person with full civil capacity. (2) The house built by the lender must meet the relevant standards of local self-built houses, be approved by the rural collective economic organizations and relevant departments of the township government to which the lender belongs, and conform to the local development plan. (3) The lender shall provide the approval documents or relevant certification materials of relevant departments of rural collective economic organizations and township governments. (4) Lenders need to prepare enough self-owned amount in accordance with relevant regulations, their personal credit records must be well preserved, and they must have a stable source of income and the economic ability to repay the principal and interest on time. (5) Lenders must provide individuals or units with compensatory ability as loan guarantees, or provide their own effective assets as mortgage guarantees. (6) Lenders need to open their own personal settlement accounts in the credit cooperatives to be loaned, and are willing to accept credit supervision and settlement supervision. (seven) other materials stipulated by the local rural credit cooperatives. Article 395 of the Civil Code The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other ground attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage all the properties listed in the preceding paragraph.

Can I apply for a loan to build a house on my homestead?

Self-built houses can apply for loans, but the loans for rural self-built houses are mainly housing loans. If you want to apply for a bank mortgage loan, you must have a real estate license, and the bank will also inspect the value of the house according to its service life and geographical location.

Self-built housing loan conditions

(a) to apply for housing loans, the housing needs to be approved by the local township construction department, which belongs to the needs of residential land and conforms to the local development plan.

(two) rural housing loan applicants also need to provide approval documents or certification materials from the local township construction departments.

(three) the lender's credit record should have a good record, but also have a certain ability to repay the loan principal and interest on time.

(4) Lenders applying for building houses also need units or individuals with sufficient repayment ability as collateral, or they can use other assets as collateral.

(5) To apply for a housing loan, you should open a personal settlement account in a rural credit cooperative, and you should also voluntarily accept the credit supervision and settlement supervision of the bank.

Can rural self-built houses apply for bank loans?

Houses in rural areas can't be mortgaged like commercial houses.

The property right certificate of many houses belongs to collective property right, which means that there is no individual property right certificate, which means that you can't apply for a bank loan. For friends who have got the real estate license, it is enough to mark "permanent use right" on your land use certificate, and other rural self-built houses are not allowed.

A house marked with "permanent use right" means that not only the house belongs to you personally, but also the land is in your name. At present, there is basically no private ownership of land in China, which is all state-owned.

The Interim Measures for the Pilot Project of Mortgage Loan for Farmers' Housing Property Rights was promulgated. Before the introduction of this method, rural self-built houses could not be mortgaged, because the security law clearly stipulated that collectively owned land use rights such as homesteads could not be mortgaged.

Extended data

Although rural self-built houses cannot be mortgaged to banks, they can apply for loans from local rural credit cooperatives when building houses, and the loans are mainly for farmers' friends. But if you have a provident fund, you can also apply for a provident fund loan from the bank. China's provident fund regulations clearly stipulate that the provident fund can be used to build your own house. You can take it out directly or borrow money.

Loan conditions of mortgage loan: legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;