In China's rural areas, many houses are self-built multi-storey buildings, which are usually called rural self-built houses. But if we want to build such a house, it will bring great economic pressure to many rural residents. So can rural self-built houses be loaned? This article will introduce it to you below.

Can rural self-built houses be loaned?

Loans are available, but rural self-built housing loans are mainly housing loans. If you want to apply for a bank mortgage loan, you must have a house title certificate, and the bank will also inspect the house according to its service life and geographical location.

What are the requirements for applying for a rural housing loan?

1. The application for housing loan requires the approval of local township builders, which belongs to residential land and conforms to the local development plan.

2. Applicants for rural housing loans need to provide approval documents or certification materials from local township construction departments.

3. The lender has a good credit record and has a certain ability to repay the loan principal and interest on schedule.

4. The lender applying for building needs a unit or individual with sufficient repayment ability as a guarantee, and can also use other assets as collateral.

5. The applicant for housing loan should open a personal settlement account in the rural credit cooperative of the loan, and be willing to accept the credit supervision and settlement supervision of the bank.

Information to be provided for applying for rural housing loans

1. Identity cards, household registration books, marriage certificates or divorce certificates of self-built lenders and their family members.

2. Proof materials that can prove the use of self-built housing loans.

3. The relevant information of the loan guarantor and relevant certification materials, or the property right certificate of the collateral.

4. Other materials stipulated by the local rural credit cooperatives.

Rural self-built housing loan amount

The loan amount of rural self-built houses is mainly determined according to the economic conditions, credit rating and income level of the lender, and usually does not exceed 50% of the total value of self-built houses.

The above is an introduction about whether rural self-built houses can be loaned. It is hoped that rural residents can provide some help in building houses and alleviate their economic pressure to some extent.

Second, how to handle the interest-free loan of 202 1 rural credit cooperatives?

You can apply with the minimum living allowance, the help manual and the business license and ID card of rural women's entrepreneurship.

Can farmers borrow money to build their own houses?

Major commercial banks are not allowed, but the situation varies from place to place. Our rural credit cooperatives here have carried out this business, but only with houses as collateral, which has nothing to do with land use rights. You can consult the local rural credit cooperatives yourself.

4. Can rural self-built houses be loaned?

Legal analysis: rural self-built houses can be loaned. As long as the lender meets the relevant loan conditions, he can apply for a loan at the local rural credit cooperative. /kloc-a capable natural person aged 0/8 to 60. The house built by the lender must meet the local requirements, be approved by the rural collective economic organizations and the relevant departments of the township government, and conform to the local development plan.

Legal basis: Civil Law

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include the type, currency, purpose, amount, interest rate, term and repayment party of the loan.

Article 672 The lender may inspect and supervise the lender as agreed, and the lender shall provide the lender with relevant financial and accounting statements or other materials on a regular basis as agreed.