Some self-build houses are eligible for loans, while others are not.

On March 15, 2016, the "Interim Measures for the Pilot Program of Mortgage Loans for Farmers' Housing Property Rights" was promulgated. Before the promulgation of these measures, rural self-built houses could not be mortgaged, because the "Security Law" clearly stipulated that homesteads, etc. Collectively owned land use rights cannot be mortgaged.

Article 36 of the "Security Law" stipulates that if a house on state-owned land acquired in accordance with the law is mortgaged, the state-owned land use rights within the scope of the house shall be mortgaged at the same time. If the state-owned land use rights acquired through transfer are mortgaged, the houses on the state-owned land at the time of mortgage shall be mortgaged at the same time. The land use rights of township (town) and village enterprises shall not be mortgaged separately. If the factories and other buildings of township (town) or village enterprises are mortgaged, the land use rights within the scope of their occupation shall be mortgaged at the same time.

Article 37 stipulates that the following properties shall not be mortgaged: (1) Land ownership; (2) Collectively owned land use rights such as cultivated land, homesteads, private land, private hills, etc., except for those listed in Article 3 of this Law. Except for those specified in Item (5) of Article 14 and Paragraph 3 of Article 36; (3) Educational facilities, medical and health facilities and other social institutions of schools, kindergartens, hospitals and other institutions for public welfare purposes, social groups Public welfare facilities; (4) Properties whose ownership and use rights are unknown or in dispute; (5) properties that have been sealed, detained, and supervised in accordance with the law; (6) other properties that cannot be mortgaged in accordance with the law.

However, after the promulgation of the "Interim Measures for the Pilot Program of Mortgage Loans for Farmers' Housing Property Rights", farmers in pilot areas can now use mortgage loans for self-built houses. Farmers' housing property rights mortgage loans refer to loans issued by banking financial institutions to qualified farmers' housing owners, using the farmers' housing ownership and the occupied homestead land use rights as collateral without changing the nature of the homestead ownership. A loan with principal and interest repaid within an agreed period. The list of pilot areas is as follows: Extended information

Self-built houses (farmer houses) generally refer to houses and buildings built by units and individuals who own their own land, organize themselves and hire others to construct. Self-built houses are the mainstream of traditional construction methods in my country, especially in rural areas of my country. Almost all rural residents use self-built houses to meet their own living needs.

In addition, before my country’s commercial housing policy was launched, many units also raised funds to build their own houses to solve the housing needs of corporate employees. With the gradual development of the domestic economy and the continuous improvement of farmers' income levels, the construction level of self-built houses is getting higher and higher, and the types are becoming more and more diverse, especially in Jiangsu and Zhejiang.

Reference materials: Baidu Encyclopedia--Self-built houses