Rural self-built houses cannot be mortgaged, and self-built houses need to meet the following conditions:

1, the houses built are limited to the towns where the county (city) government is located or the key towns recognized by the provincial government;

2. The land occupied by the building has been obtained through lease, and the borrower has paid the land transfer fee in full, and independently obtained the state-owned land use certificate in the name of the borrower;

3. If the land is released, you can't apply for mortgage loans for more than 2 years.

4. Self-built houses have obtained property certificates.

In addition, the loan amount varies from region to region, and can only be determined after consulting the banks in each region.

Mortgage loan procedures for self-built houses:

The procedures for mortgage of self-built houses include: land use certificate, village committee certificate, project budget, invoice receipt of purchased materials, real estate license, property right certificate for mortgage, land use certificate, ID card of both husband and wife of the borrower, marriage certificate, collateral evaluation report, income certificate of both borrowers, copy of borrower's passbook, ID card of the owner of mortgage certificate, copy of marriage certificate, etc.