can

"You can apply for a house loan. Mortgage loan of farmers' housing property rights refers to the loan issued by banking financial institutions (hereinafter referred to as lenders) to eligible farmers' housing owners (hereinafter referred to as borrowers) with farmers' housing ownership and homestead use right as collateral without changing the nature of homestead ownership, and repay the principal and interest within the agreed time limit. "

At present, rural self-built houses can be loaned. If you want to apply for a bank mortgage loan, you must have a real estate license, and you can apply for a self-built house under certain conditions. However, the following conditions must be met:

1, applying for a loan to build a house requires the approval of the local township builder; 2. The lender shall provide the approval documents or certification materials of the local township construction department;

3. The lender has a good credit record and repayment ability;

4. The borrower can provide individuals or units with sufficient compensatory capacity as loan guarantees, or use effective assets as collateral (pledge), and so on. It is worth noting that in addition to meeting the above conditions, there are also requirements for the loan amount and loan period, which are determined according to their own economic level and income sources.

I. Conditions of mortgage loan:

The borrower must meet the following conditions:

1. has legal status;

2. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

4. Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;

5. Having assets mortgaged or pledged by the loan bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lending bank.

Second, self-built houses are the product of the urban-rural dual system. Farmers have special homesteads and build their own houses to live and settle down. With the gradual rise of domestic housing prices and the improvement of farmers' living standards, the types of self-built houses are becoming more and more diversified.

Can I apply for a loan for a self-built house in rural areas?

Generally speaking, rural self-built houses can be loaned, but the lender must meet certain loan conditions. First of all, the house built by the lender must be located in the service area of the loan credit cooperative and must meet the following conditions: (1) The lender must be 18 to 60 years old and must be a natural person with full civil capacity. (2) The house built by the lender must meet the relevant standards of local self-built houses, be approved by the rural collective economic organizations and relevant departments of the township government to which the lender belongs, and conform to the local development plan. (3) The lender shall provide the approval documents or relevant certification materials of relevant departments of rural collective economic organizations and township governments. (4) Lenders need to prepare enough self-owned amount in accordance with relevant regulations, their personal credit records must be well preserved, and they must have a stable source of income and the economic ability to repay the principal and interest on time. (5) Lenders must provide individuals or units with compensatory ability as loan guarantees, or provide their own effective assets as mortgage guarantees. (6) Lenders need to open their own personal settlement accounts in the credit cooperatives to be loaned, and are willing to accept credit supervision and settlement supervision. (seven) other materials stipulated by the local rural credit cooperatives. Article 395 of the Civil Code The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other ground attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage all the properties listed in the preceding paragraph.

Can I get a loan for a house in the countryside?

It is inevitable to encounter some economic difficulties in life, especially some self-employed people. At this time, we will think of various loans. At present, we have built our own rural houses. Can I get a loan for this house?

Type of self-built house

If it is a house built on collective land in the village, a collective title certificate will be issued after completion. This kind of property right cannot be traded and is not recognized by major financial institutions. Such a house cannot apply for a loan, which is also commonly known as a "small property house".

Self-built houses on legally traded commercial and residential land generally belong to the town where the house is located, and the nature of the land is commercial and residential land. Such a house can be bought and sold, and you can apply for your own real estate license. Such a house can apply for a bank loan.

Rural housing loan conditions

/kloc-Domestic residents aged over 0/8 and under 60, with full capacity for civil conduct, no personal credit problems, good repayment ability, and loans from financial institutions where the house is located; Self-built buildings have been approved by relevant institutions and conform to local development plans. They also need approval and certification from relevant departments. The loan amount needs to be determined according to the personal income level and income source.

Why can't some self-built houses be loaned?

Some self-built houses, unlike residential commercial houses, hold valid property certificates. Without these certificates, the house can't be listed and traded, which means there is no collateral. If banks use personal credit loans, the amount is limited, the value of self-built houses is limited, and it is difficult to trade, which limits the conditions of bank mortgage loans. Even some collective land cannot be listed and traded at all, and such houses cannot be mortgaged by loans.

Self-built house loan method

If self-built houses have relevant documents, they can be listed and traded, used as collateral, such as bank loans, or through some legal loan intermediaries.

Be careful when applying for a loan. At present, there are many lending institutions and many non-performing loan companies. We need to check whether the documents of the lending institutions are in compliance and whether the interest rate meets the legal requirements.

Can rural self-built houses be loaned?

Generally speaking, rural self-built houses can be loaned, but the lender must meet certain loan conditions. First of all, the house built by the lender must be located in the service area of the loan credit cooperative, and the following conditions must be met: (1) The lender must be between 18 and 60 years old, and must be a natural person with full civil capacity. (2) The house built by the lender must meet the relevant standards of local self-built houses, and be approved by the relevant departments of rural collective economic organizations and township governments, and must also conform to the local development plan. (3) The lender shall provide the approval documents or relevant certification materials of the relevant departments of rural collective economic organizations and township governments. (4) Lenders need to prepare sufficient self-owned amount in accordance with relevant regulations, keep a good personal credit record, have a stable income source, and have the economic ability to repay the principal and interest on time. (5) Lenders must provide individuals or units with repayment ability as loan guarantees, or provide their own effective assets as mortgage guarantees. (6) Lenders need to open their own personal settlement accounts in the credit cooperatives they want to borrow, and should be willing to accept credit supervision and settlement supervision. (seven) other materials stipulated by the local rural credit cooperatives.

legal ground

Article 395 Scope of Collateral of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Can rural self-built houses be loaned?

In China's rural areas, many houses are self-built multi-storey buildings, which are usually called rural self-built houses. But if we want to build such a house, it will bring great economic pressure to many rural residents. So can rural self-built houses be loaned? This article will introduce it to you below.

Can rural self-built houses be loaned?

Loans are available, but rural self-built housing loans are mainly housing loans. If you want to apply for a bank mortgage loan, you must have a house title certificate, and the bank will also inspect the house according to its service life and geographical location.

What are the requirements for applying for a rural housing loan?

1. The application for housing loan requires the approval of local township builders, which belongs to residential land and conforms to the local development plan.

2. Applicants for rural housing loans need to provide approval documents or certification materials from local township construction departments.

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

4. The lender applying for building needs a unit or individual with sufficient repayment ability as a guarantee, and can also use other assets as collateral.

5. The applicant for housing loan should open a personal settlement account in the rural credit cooperative of the loan, and be willing to accept the credit supervision and settlement supervision of the bank.

Information to be provided for applying for rural housing loans

1. Identity cards, household registration books, marriage certificates or divorce certificates of self-built lenders and their family members.

2. Proof materials that can prove the use of self-built housing loans.

3. The relevant information of the loan guarantor and relevant certification materials, or the property right certificate of the collateral.

4. Other materials stipulated by the local rural credit cooperatives.

Rural self-built housing loan amount

The loan amount of rural self-built houses is mainly determined according to the economic conditions, credit rating and income level of the lender, and usually does not exceed 50% of the total value of self-built houses.

The above is an introduction about whether rural self-built houses can be loaned. It is hoped that rural residents can provide some help in building houses and alleviate their economic pressure to some extent.

Can rural self-built houses apply for bank loans?

Houses in rural areas can't be mortgaged like commercial houses.

The property right certificate of many houses belongs to collective property right, which means that there is no individual property right certificate, which means that you can't apply for a bank loan. For those friends who have got the real estate license, it is enough to indicate "permanent use right" on your land use certificate, and other rural self-built houses are not allowed.

A house marked with "permanent use right" means that not only the house belongs to you personally, but also the land is in your name. At present, there is basically no private ownership of land in China, which is all state-owned.

The Interim Measures for the Pilot Project of Mortgage Loan for Farmers' Housing Property Rights was promulgated. Before the introduction of this method, rural self-built houses could not be mortgaged, because the security law clearly stipulated that collectively owned land use rights such as homesteads could not be mortgaged.

Extended data

Although rural self-built houses cannot be mortgaged to banks, they can apply for loans from local rural credit cooperatives when building houses, and the loans are mainly for farmers' friends. But if you have a provident fund, you can also apply for a provident fund loan from the bank. China's provident fund regulations clearly stipulate that the provident fund can be used to build your own house. You can take it out directly or borrow money.

Loan conditions of mortgage loan: legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;