(a) the borrower to apply for a loan to build a house must be approved by the local rural construction department and conform to the local development plan.
(two) the borrower shall provide the approval documents or certification materials of the rural construction department.
(3) The borrower shall have its own funds not less than the prescribed proportion, strong credit concept, good credit status and the ability to repay the principal and interest of the loan on time.
(four) the borrower can provide individuals or units with sufficient compensation capacity as loan guarantees, or can use effective assets as collateral (pledge).
(five) the borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept the credit supervision and settlement supervision.
Second, rural self-built housing loan information
1. ID card and household registration book of the rural self-built house lender, together with a copy of the ID card and household registration book.
2. The actual situation of the production and operation of rural self-built housing lenders and the stability of family economic income.
3. The loan purpose of rural self-built houses lenders.
4. List of collateral, use of collateral, house ownership certificate, collective land use certificate and other legal and valid ownership certificates.
5. The ownership status and mortgage status of the rural self-built house lender, and the commitment made by the loan bank to dispose of the collateral.
6 rural self-built housing lenders can not repay the loan, with the consent of the collective economic organizations where rural housing is located.
7. Written proof that the rural self-built house lender agrees to the bank's disposal of the mortgaged house.
8. If a third party other than the rural self-built house lender is required to provide guarantee, a third-party guarantee and other relevant documents and materials shall be issued at the same time.
9. Rural self-built houses * * * Some people agree with the written opinions of housing mortgage.
10. Open a settlement account in the rural credit cooperative where the rural self-built house is located.
1 1. Other materials specified by the rural credit cooperatives where the rural self-built houses are located.
Three, the term and amount of rural self-built housing loans
1. The loan amount for rural self-built houses shall not be higher than the actual provident fund loan amount that employees can enjoy; Rural self-built housing loans are secured by mortgage, and rural self-built housing loans shall not exceed 60% of the total construction cost, and rural self-built housing loans shall not exceed 50% of the total construction cost.
2. The loan period for rural self-built houses shall not exceed 20 years, and shall not exceed the statutory retirement age of the borrower.
Four, rural self-built housing loan process
1. Lenders who apply for self-built houses in rural areas will first obtain the Paris property certificate of their rural houses. This step can be omitted if the rural self-built house of the rural self-built house lender already has a real estate license.
2. Then submit the rural self-built housing loan application. After the loan bank agrees, you can use the rural house of the rural self-built house lender as collateral, go to the real estate department for housing evaluation, registration, mortgage and issuance of other house warrants, together with the rural collective land use right and real estate license that the rural self-built house lender has the right to use, as loan collateral, and sign the repayment commitment letter of the rural self-built house lender.
3. After that, the lending bank will handle the loan procedures. The loan amount for rural self-built houses is generally controlled within 70% of the appraisal of rural houses.