/kloc-a domestic resident aged 0/8-60 with full capacity for civil conduct. The domicile or production and business premises of the borrower shall be within the service area of the Association.

2, apply for rural housing loans should have the basic conditions:

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

(2) The borrower shall provide the approval documents or certification materials of the rural construction department.

(3) The borrower must have a proportion of its own funds not less than the specified amount, have a strong sense of credit, have a good credit standing, and have the ability to repay the loan principal and interest on schedule.

(3) The borrower can provide individuals or units with sufficient compensatory capacity as loan guarantees, or can use effective assets as collateral.

(four) the borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept the credit supervision and settlement supervision.

3, apply for rural housing loans to provide information:

(a) the identity card, household registration certificate and marriage certificate of the borrower and his family members.

(two) the use of housing loans.

(3) Basic information of the guarantor and relevant certification materials, and valid certification materials such as the property right of the mortgaged property.

(4) Other materials provided by rural credit cooperatives.

4, rural self-built housing loan amount:

The amount of rural housing loans should be determined according to their own operating conditions, income levels and credit levels. , generally not more than 50% of the total housing funds.

6, rural self-built housing loan period:

Within a year. The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives, and credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation. The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate, and the maximum floating coefficient is 2.3 times of the benchmark interest rate.

Extended data:

Self-built houses (farmhouses) generally refer to houses and buildings that units and individuals own their own land, organize themselves and rent others for construction. Self-built houses are the mainstream of traditional architecture in China, especially in rural areas of China. Almost all rural residents meet their living needs by building their own houses. You can't build a house outside the planning area or construction land.

In addition, before the introduction of China's commercial housing policy, many units also raised funds to build their own houses to solve the housing needs of enterprise employees. With the gradual development of domestic economic level and the continuous improvement of farmers' income level, the construction level of self-built houses is getting higher and higher, and the types are becoming more and more abundant, especially in Jiangsu and Zhejiang provinces.

Build your own house:

People's self-built houses generally refer to rural self-built houses. In small cities at county level, there are also a large number of self-built houses. Unlike self-built houses in rural areas, self-built houses in counties and towns do not use collective agricultural land. Their land properties are generally residential land, commercial land and commercial and residential land. Homeowners often have their own land use certificates and real estate licenses. Therefore, these lands or properties can be legally transferred or traded. In the past, the urban management system was loose and the threshold for handling land use permits was low. However, with the advancement of urbanization, urban land is becoming increasingly tense, and more and more towns have raised the threshold of land acquisition or banned the construction of self-built houses. The number of self-built houses in towns will decrease in the near future.

Examination and approval questions:

The decline of self-built houses is mainly due to the complicated procedures for obtaining permits and the restrictions of local government planning laws and regulations. To improve the protection law of individual self-built houses, we should start from the following aspects: house demolition should be compensated strictly according to the local commercial housing price plus 60 years property management fee; Cancel the restrictions on housing transactions in urban and rural areas and places of origin; Cancel the area limit of housing; Cancel the cumbersome examination and approval procedures for construction application, and reduce the high cost of construction application, land certificate and real estate license; Encourage private housing construction and give low-interest support in payment; Change the robber logic: commercial housing is the private interest of real estate developers and cannot be classified as public interest; The government can't open the way for real estate developers to forcibly remove the old city, but should return the land to the people as much as possible, and then raise funds to build apartments after planning. Based on this principle, the law on the protection of individual self-built houses should be a relatively perfect law.

References:

Baidu encyclopedia-self-built house