Sure! With the homestead certificate, the village can open a certificate and then apply for a loan from the bank!
Second, can rural homesteads apply for loans?
Homestead certificate can't be loaned. The homestead belongs to the village collective economic organization, and individuals only enjoy the right to use the homestead and the right to income. The mortgage of the homestead certificate is not authorized to dispose of the loan, and the mortgage that cannot go through the mortgage registration formalities is invalid. According to Article 399 of the Civil Code, the following properties may not be mortgaged: (1) Land ownership; (two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law; (3) Educational facilities, medical and health facilities and other public welfare facilities of non-profit legal persons established for the purpose of public welfare, such as schools, kindergartens and medical institutions; (4) Property whose ownership and use right are unknown or controversial; (5) Property that has been sealed up, detained or supervised according to law; (6) Other properties that may not be mortgaged according to laws and administrative regulations. Warm reminder that the above answer is only for the current information combined with my understanding of the law. Please refer carefully! If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
3. Can I apply for a provident fund loan to buy a homestead?
Rural homestead cannot be used to apply for provident fund loans, because the bank stipulates that the collateral of housing must be commercial housing that can be traded freely in the market. The application conditions of provident fund loan are: permanent residence in the town where the loan is located, and valid residence certificate can be provided; The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months; The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%; The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan; Sign a house purchase contract or contract with the sales office; Meet other conditions stipulated by the trustor and the trustee.