Rural self-built houses can also take the form of loans. There are certain requirements for this. First, rural housing loans are loans to individual industrial and commercial households and natural persons with full capacity for civil conduct in the county. And must meet certain conditions, the age is between 18-60 years old, the borrower's residence or production and business premises should be within the service area of this union, and he is a domestic resident with full capacity for civil conduct. At the same time, the following conditions must be met:

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

Two, the borrower is required to provide the approval documents or certification materials of the rural construction department.

Three, the borrower should have no less than the prescribed proportion of its own funds, strong credit concept, good credit status, and the ability to repay the loan principal and interest on schedule.

Four, the borrower can provide individuals or units with sufficient compensation ability as loan guarantees, and can also use effective assets as collateral (pledge).

Five, the borrower should open a personal settlement account in the loan credit cooperatives (Department), and voluntarily accept the credit supervision and settlement supervision.

In addition to meeting the above conditions, there are also certain requirements for loan amount and loan term, both of which can be determined according to their own economic level and income sources.

Second, can I get a loan from my real estate license?

Subjectivity of law: Self-built houses used for loans need not only real estate licenses, but also land use certificates. The two certificates are complete before listing and trading. After the bank lends money to the borrower, it loses its repayment ability, so it will auction the house and use the proceeds to repay the loan. Can a self-built house with a real estate license be loaned? Netizen's question: Mr. Chen is from Guangzhou, and his house is self-built and has a real estate license. Because of the urgent need for funds, I intend to apply for a loan with this property. But I heard that self-built houses can't be loaned, so I want to ask lawyers if self-built houses with real estate licenses can be loaned in Guangzhou. The lawyer replied: We often say that self-built houses refer to houses built by rural residents themselves to meet their living needs. Rural self-built houses use collective agricultural land, and they cannot obtain land use certificates, but can only obtain real estate licenses. Self-built houses with incomplete double certificates have no complete property rights, also called small property houses, and cannot be loaned. There is also a kind of self-built house, which is built in the town. Construction land is residential land, commercial land or commercial and residential land. Such a self-built house, the owner is very likely to obtain full property rights. A house with full property rights, also called a big property right house, can be loaned. To sum up, self-built houses used for loans need not only property ownership certificates, but also land use certificates. The two certificates are complete before listing and trading. To say the least, after the bank lends money to the borrower, it loses its repayment ability, and it can also auction the house and repay the loan with the proceeds. Therefore, banks will only accept self-built housing loans with complete double certificates.

Legal objectivity: "Measures for the Administration of Urban Real Estate Mortgage" Article 25 For real estate mortgage, the mortgage parties shall sign a written mortgage contract. Article 26 of the Measures for the Administration of Urban Real Estate Mortgage shall contain the following main contents: (1) the names and residences of the mortgagor and mortgagee; (2) The type and amount of principal creditor's rights; (three) the location, name, condition, construction area, land area and scope of the mortgaged real estate; (4) The value of the mortgaged real estate; (5) Occupation manager, occupation management mode, occupation management responsibility and liability for accidental damage or loss of mortgaged real estate; (six) the time limit for the debtor to perform the debt; (seven) the conditions for the loss of mortgage; (8) Liability for breach of contract; (9) dispute settlement methods; (ten) the time and place of conclusion of the mortgage contract; (eleven) other matters agreed by both parties.

3. Can I borrow money with my real estate license?

I don't think so