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"You can apply for a house loan. Mortgage loan of farmers' housing property rights refers to a loan that takes farmers' housing ownership and homestead use right as collateral, meets the requirements of farmers' housing owners and repays the principal and interest within the agreed time limit without changing the nature of homestead ownership.

Now self-built houses in rural areas can be mortgaged, so you must have a real estate license and apply for self-built houses if you have certain conditions. However, the following conditions must be met:

1, apply for building a loan house; 2, the lender shall provide the approval documents of the local township construction department or

3. The lender has a good credit record.

4. The borrower can provide individuals or units with sufficient compensation capacity as loan guarantees, or can use effective assets as collateral to meet the above conditions. In addition, the loan amount and loan term are required, which are determined by the source.

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I. Conditions of mortgage loan:

The borrower must also meet the following conditions

1. has legal status;

2. Good ability to use and repay the loan principal and interest;

3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

4 has purchased (overhaul) housing price of more than 20% of the self-raised funds, and ensure that used to pay for the purchase (

5. Legal persons and other economic groups with asset compensation capacity recognized by the lending bank.

6. Other conditions stipulated by the lending bank.

Second, self-built houses are the product of the urban-rural dual system. Farmers have special homestead to build their homes. With the gradual rise of domestic housing prices and the improvement of farmers' living standards, the types of self-built houses are becoming more and more diversified.

Second, can I get a loan from my own house?

Shandong Shouguang: 1, land use certificate 2, village committee certificate 3, project budget, invoice or receipt of purchased funds 4, mortgaged property right certificate (property right certificate, land certificate) 5, marriage certificate and ID card of both husband and wife of the borrower 6, collateral evaluation report 7, income certificate of both husband and wife of the borrower (original) 8, copy of the borrower's (ICBC) passbook, copy of the owner's ID card of mortgage certificate, etc.

Third, can I get a loan from my own house?

Yes, you can apply for a house loan. Mortgage loan of farmers' housing property rights refers to the loan issued by banking financial institutions (hereinafter referred to as lenders) to eligible farmers' housing owners (hereinafter referred to as borrowers) with farmers' housing ownership and homestead use right as collateral without changing the nature of homestead ownership, and repay the principal and interest within the agreed time limit. "At present, rural self-built houses can be loaned. If you want to apply for a bank mortgage loan, you must have a real estate license, and you can apply for a self-built house under certain conditions. But the following conditions must be met: 1. The application for building a loan house requires the approval of the local township builder; 2. The lender shall provide the approval documents or certification materials of the local township construction department; 3. The lender has a good credit record and repayment ability; 4. The borrower can provide individuals or units with sufficient compensatory capacity as loan guarantees, or use effective assets as collateral (pledge), and so on. It is worth noting that in addition to meeting the above conditions, there are also requirements for the loan amount and loan period, which are determined according to their own economic level and income sources. : 1. mortgage loan conditions: the borrower must meet the following conditions at the same time: 1. Have a legal status; 2. Have stable economic income, good credit and the ability to repay the principal and interest of the loan; 3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank; 4. Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; 5. Having assets mortgaged or pledged by the loan bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lending bank. Second, self-built houses are the product of the urban-rural dual system. Farmers have special homesteads and build their own houses to live and settle down. With the gradual rise of domestic housing prices and the improvement of farmers' living standards, the types of self-built houses are becoming more and more diversified.

4. What are the application conditions for the renovation loan of rural self-built houses?

Rural self-built houses cannot be decorated with loans, because most of the land occupied by rural self-built houses belongs to collective land that has not paid the land transfer fee. Without the house ownership certificate, banks do not accept mortgage loans for such houses; Refer to the mortgage loan procedures for house decoration: identity certificate, household registration book, marriage certificate, house ownership certificate, state-owned land certificate (or copy), industrial and commercial license, tax registration certificate, income certificate, bank capital flow and house evaluation report.