At present, it costs a lot of money to buy a house in rural areas, especially for most rural people, who can't afford to spend so much money at once. Many rural people want to mortgage to buy a house, which can relieve their financial strain. Only some of them are questioning this kind of rural housing loan. So, let's talk about it today. Can rural houses be mortgaged? What are the rural mortgage loan processes?

Can rural houses be mortgaged?

1. In the past, rural houses could not apply for mortgage loans, mainly because rural houses were collectively owned and did not have property certificates. In other words, rural houses lack a housing registration and confirmation system, and property rights are unclear.

2. If the peasant comrades want to use their own houses as mortgage loans, they must have the property rights and disposal rights of the houses. If the property owned by * * * is used as collateral for mortgage loan, the consent of the owner of * * * must be obtained.

What are the rural mortgage loan processes?

1. The actual age of the loan maturity date is generally not more than 65 years old; And have a legitimate occupation and a stable source of income in China, and have the ability to repay the loan principal and interest on schedule; Willing and able to provide real estate mortgage approved by the lender; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.

2. Conditions for mortgage of real estate in China: the property rights of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without other mortgages; Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.

3. In China, the mortgagor can be the borrower himself or someone else. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.

4. Materials to be submitted by domestic lenders: Materials to be provided by borrowers include: ID card and household registration book; Personal income certificate (stamped with the official seal of the unit); Copy of business license of self-employed unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; Housing ownership certificate; The application form and loan use certificate of the house owner and the * * * owner agreeing to mortgage.

5. Loan finance, service life and interest rate: The initial amount of real estate mortgage is 5,000 yuan, with the maximum not exceeding 70% of the real estate assessment value of mortgage. The loan term is generally not more than 5 years, and it can be as long as 10 year. The loan interest rate shall be implemented according to the commercial loan interest rate stipulated by the People's Bank of China for the same period, which is conducive to repaying the principal and interest on a monthly basis.

6. In China, the property that the customer wants to mortgage needs to be appraised by a designated appraisal office and an appraisal report is issued. According to the borrower's qualification, the loan amount applied, the appraisal report and the lawyer's opinion, the bank determines the loan amount and loan period after examination, and the borrower can get the loan after registering with the real estate bureau. It takes about 10 days for a customer to submit relevant information to the bank to apply for a loan, depending on the mortgage registration time of the housing management department.

To sum up, this paper mainly talks about whether rural houses can be mortgaged and what are the related contents of rural mortgage loan process. Now we know that houses in rural areas can also be mortgaged. It is a good thing to buy a house with a mortgage, but you must remember the problem of repayment on time, and you must not forget the problem of repayment, which will affect your credit information.