I. Banks are all available for self-build home loans, such as: agricultural banks, industrial and commercial banks, construction banks, Bank of China, postal banks and so on. But not all self-built houses can apply for loans. For example, the rural self-built house, this belongs to the small property rights of the self-built house, no matter which bank can not apply for a loan. But if you build a house in the urban area, the nature of the land is commercial land, then this situation can go to the bank to apply for a self-build house loan. In addition, each region has different regulations, please refer to the local bank's loan regulations.

Two, how much can I borrow for a self-built home loan? Due to the differences in the relevant policies introduced by the government of China to various regions, the loan amount as well as the interest rate of the rural self-built houses in various regions are certainly different. But from the overall loan situation, the amount of loans for rural self-built houses are based on their respective business situation, income level and creditworthiness, etc., usually the loan amount will not exceed 50% of the overall funds of the self-built houses, and the banks of this type of housing loan period, are generally controlled within 5 years.

Three, rural construction loan application conditions:

1, the borrower to apply for a loan to build a house, need to be approved by the local village construction department, in line with the local development plan.

2. Borrowers are required to provide documents or certificates of approval from the village and township construction departments.

3. Borrowers should have no less than the required proportion of their own funds, a strong sense of credit, good credit standing, and the ability to repay the loan principal and interest on schedule.

4. The borrower should be able to provide individuals or units with sufficient solvency to guarantee the loan, or be able to use valid assets as collateral.

5. The borrower should open a personal settlement account in the lending credit union (department) and voluntarily accept credit supervision and settlement supervision.

6, in the application of self-built home mortgage loan applicants, can not have a bad credit record.