Self-built houses in rural areas can generally be mortgaged with complete procedures. The most important procedure here is the property right certificate of the house. At present, there are some self-built houses in rural areas in China, with only land use certificates and no housing property certificates. It is impossible to apply for a loan in this situation.

In addition, whether rural self-built houses can be mortgaged depends on the actual situation. Such as the service life of the house, the geographical location of the new house, the realized value, etc. If the house has a long life or a poor location and the realized value is low, even if the procedures are complete, it cannot be used as a mortgage to obtain a loan.

All major banks handle loans.

Information required for loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Please note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Age limit of the borrower: male age+loan period shall not exceed 60 years, and female age+loan period shall not exceed 55 years;

5. Customers blacklisted in the credit information system cannot apply for loans;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan.

Process:

1. Apply for a loan from the bank,

2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;

3. Open a personal current deposit account and sign a loan contract.

4. Apply for real estate mortgage registration;

5. Bank loans.