Nowadays, many rural friends will choose to build their own houses in order to improve their families’ lives. For self-built houses, everyone must understand the relevant policies. After all, there are regulations for building houses in rural areas. For example, there are regulations on area, etc. So what is the tax for rural self-built houses exceeding the area? Can I get a loan for self-built houses in rural areas? In response to these questions, let’s learn about the relevant knowledge below.

How much tax will be charged on the area of ??self-built houses in rural areas?

The standard area of ??rural homesteads for newly built, expanded or renovated houses is 80-120 square meters. Village committees in various places The village's homestead area standards are then uniformly determined based on the village planning and the actual land use conditions of the village; rural self-built houses must not exceed three floors, and the total building area of ??each household must not exceed 360 square meters; rural townhouses must not exceed four floors, and each household must not exceed four floors. The total building area of ??a household shall not exceed 450 square meters; otherwise, tax will be charged.

Can I get a loan for self-built houses in rural areas?

Is it possible to get a loan for self-built houses in rural areas, but loans for self-built houses in rural areas are mainly house construction loans. If you want to apply for a bank mortgage loan, , you must have a property ownership certificate, and the bank will also conduct inspections based on the age, location, and other values ??of the house. What are the requirements for applying for a rural house building loan:

1. To apply for a house construction loan, the house needs to be approved by the local township construction department. It belongs to residential land and complies with the local development plan.

2. Those applying for rural housing construction loans need to provide approval documents or certification materials from the local township construction department.

3. The lender has a good credit record and has a certain ability to repay the loan principal and interest on schedule.

4. Applicants for housing construction loans need to have an organization or individual with sufficient repayment capacity as a guarantee, or be able to use other assets as collateral.

5. Those applying for housing loans should open a personal settlement account at the rural credit cooperative where the loan is provided, and must voluntarily accept the bank's credit supervision and settlement supervision.

As for the issue of tax collection for self-built houses in rural areas, everyone should pay attention to the relevant details and pay attention to the specific loan processing procedures. This will be helpful to your own life. The above is about the area of ??self-built houses in rural areas. Regarding the introduction of how much tax is exceeded and whether you can get a loan for self-built houses in rural areas, when you apply for a loan, you should pay attention to the specific processing methods of the loan.