Can rural housing be loaned?
1, rural housing can be loaned. As long as the applicant has full capacity for civil conduct and has no bad credit record. Moreover, the ownership of the mortgaged house is uncontroversial and is not within the scope of the demolition plan.
2. In addition to the house used for mortgage, the applicant for loan should also have other stable residences and provide relevant certification materials. The village collective agrees that the right to use the homestead shall be mortgaged together with the house.
3. Houses built illegally or temporarily cannot be used as collateral (including unlicensed houses, houses built without approval, and houses with an area exceeding the standard). If the ownership of the house is disputed, it cannot be used as collateral.
Materials needed for applying for loans for rural houses
1. Original and photocopy of the applicant's ID card and household registration book.
2, the economic income of the applicant's family, and issue relevant certification materials.
3, the purpose of the mortgaged assets, the relevant documents of the house, the land use certificate and the list of collateral.
4, the ownership of the collateral, the mortgage situation and the bank's commitment to dispose of the collateral.
5. Written proof that the house owner agrees to the bank's disposal of the collateral.
6. If there is a co-owner of the house, it is also necessary to provide a written certificate that the co-owner agrees to mortgage the house.
7. The settlement account opened by the applicant in the local rural credit cooperative.
8. Other materials stipulated by the rural credit cooperatives where the rural houses are located.
9. Explanatory materials for loan purposes of rural housing lenders.
Process of applying for rural housing loan
1. The house must have a real estate license. Houses without real estate licenses can only apply for loans if they obtain real estate licenses in advance.
2. The applicant can use the house as collateral after submitting the loan application, and at the same time, the house should be evaluated and registered. It is also necessary to review the property right certificate and land use right certificate of the house and sign a loan repayment commitment letter.
3. After all the formalities are completed, the bank will issue the loan, and the specific amount depends on the actual situation.
Can rural housing be loaned? The above is the process and materials we introduced for applying for loans for rural houses. Can be used as a reference. Whether a rural house can be loaned, how much it can be loaned, and how to apply for it, it is best to consult the local bank. More rural housing knowledge can continue to pay attention here.