Now more and more rural residents are rushing to cities, and buying a house in the city has become one of the ways to settle down. In order to buy a house in the city, many people will mortgage their houses in the countryside. So, can rural houses be mortgaged? How to mortgage a loan with a house? Next, please take a look with Bian Xiao. \ r \ First, can rural houses be mortgaged? \ r \ Rural houses can be mortgaged, but there are still some conditions. Rural houses with property certificates can only be loaned. If there is only a land use certificate without a property right certificate, the house cannot be loaned. And if the house is too old or old, it is impossible to borrow money. \r\nSecond, how to borrow the real estate mortgage loan \r\n 1. You need to prepare your ID card, household registration book, marriage certificate, real estate license, land certificate, industrial and commercial license, tax registration certificate, bank's fund running list, etc. \r\n2。 Bring a series of documents to the appraisal company to apply for appraisal. The bank has its own designated appraisal company, which will issue a detailed appraisal report and even notarization after accepting it. \r\n3. You can apply for a loan in the bank and sign a loan contract after you have prepared the certification materials and the evaluation report. \r\n4。 After accepting the application, the bank will carefully verify the authenticity of the materials, conduct on-the-spot visits to the business premises and workplaces, and report to the higher-level bank for approval after meeting the requirements. \r\n5。 With the approval of the superior bank, apply for mortgage to the housing management department with ID card, loan contract and house ownership certificate, and the housing management department will handle the mortgage registration after accepting it and issue his right certificate. \r\n6。 Take his right certificate to the bank to get a loan. \ r \ Summary: So much for rural houses. The overall property of the house has a great influence on the loan amount. Good location, large apartment. The houses built in recent years can be valued highly.

Houses in rural areas can be mortgaged

Many people living in rural areas want to borrow money to do small business, but there is no valuable finance at home, and their biggest property is their own house, so they want to borrow money from their own house. So, can rural houses be mortgaged? What is the process of rural mortgage loan? Let's take a look with Bian Xiao.

First, rural houses can be mortgaged.

1, rural houses can be mortgaged, but rural houses are collectively owned, so rural households mainly apply for loans and must hold the property rights of the houses. Only with someone's consent and relevant materials can you apply for a mortgage loan.

2. In the past, because the house was collectively owned and there was no real estate license, it was impossible to apply for a mortgage loan. Housing registration and property rights are not clearly defined.

Therefore, if you want to use the house as a mortgage loan, you must have the real estate license and the right to dispose of it. If it is a house with property rights, it must be recognized by someone.

Second, what is the process of rural mortgage loan?

1, the age cannot exceed 65 years old, and he has a legitimate occupation and income source, can provide recognized real estate mortgage, and is willing to bear legal responsibilities.

2. The property right of the house clearly meets the conditions for listing and trading, and no other mortgage has been made. Not listed as a renovation plan, there are real estate licenses and land certificates.

3. If other people's property is used as collateral, you must show a written commitment to agree with the borrower.

4. The starting point of house mortgage is 5,000 yuan, and the high amount cannot exceed 70% of the appraised house price. The loan term is generally not more than five years, and the interest rate is implemented with reference to the commercial loan interest rate for the same period.

Editor's summary: Can rural houses be mortgaged? And what is the process of rural mortgage loan? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

Can rural houses be mortgaged?

Many people will choose to mortgage their houses, cars and other valuables for loans when they need a lot of money urgently, but many people don't know much about whether rural houses can be mortgaged, so can rural houses be mortgaged? Let's take a look with Bian Xiao.

Can rural houses be mortgaged?

1. Under normal circumstances, you can apply for a mortgage loan as long as the procedures for the farm house are complete. In other words, as long as rural houses have real estate licenses and other documents, then property owners can apply for mortgage loans. However, there are also some rural houses that only have land certificates and no real estate licenses, so such rural houses cannot apply for mortgage loans.

2. Whether rural houses can apply for mortgage loans still needs to be decided according to the actual situation of rural houses. If the house in rural areas has a short service life, a remote geographical location or a low value of the house itself, it is impossible to apply for a mortgage loan even if the house has a real estate license.

3. When the rural house is mortgaged, the lender needs to bring his ID card, household registration book, personal income certificate, real estate license loan application form and so on. If the lender is married, it is also necessary to bring the spouse's ID card and household registration book, and the marriage certificate of both husband and wife. If the lender is not married, it is also necessary to bring proof of unmarried. If the lender is divorced or widowed, it is also required to bring a divorce certificate or a divorce certificate issued by it.

4. After the rural house is mortgaged, the lender must pay the loan interest on time and pay off the loan principal, and cannot delay the payment, otherwise the lender will have a bad record in the credit investigation, and it will be difficult for the lender to handle the loan matters in the future.

The above is a detailed introduction about whether rural houses can be mortgaged, hoping to help you solve the loan difficulties. When handling mortgage loans, we should not only prepare relevant loan materials and certificates, but also clearly understand the handling process, thus saving loan time.

How to borrow money for rural self-built houses

First, the basic conditions for applying for rural self-built housing loans

(a) the borrower to apply for a loan to build a house must be approved by the local rural construction department and conform to the local development plan.

(two) the borrower shall provide the approval documents or certification materials of the rural construction department.

(3) The borrower shall have its own funds not less than the prescribed proportion, strong credit concept, good credit status and the ability to repay the principal and interest of the loan on time.

(four) the borrower can provide individuals or units with sufficient compensation capacity as loan guarantees, or can use effective assets as collateral (pledge).

(five) the borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept the credit supervision and settlement supervision.

Second, rural self-built housing loan information

1. ID card and household registration book of the rural self-built house lender, together with a copy of the ID card and household registration book.

2. The actual situation of the production and operation of rural self-built housing lenders and the stability of family economic income.

3. The loan purpose of rural self-built houses lenders.

4. List of collateral, use of collateral, house ownership certificate, collective land use certificate and other legal and valid ownership certificates.

5. The ownership status and mortgage status of the rural self-built house lender, and the commitment made by the loan bank to dispose of the collateral.

6 rural self-built housing lenders can not repay the loan, with the consent of the collective economic organizations where rural housing is located.

7. Written proof that the rural self-built house lender agrees to the bank's disposal of the mortgaged house.

8. If a third party other than the rural self-built house lender is required to provide guarantee, a third-party guarantee and other relevant documents and materials shall be issued at the same time.

9. Rural self-built houses * * * Some people agree with the written opinions of housing mortgage.

10. Open a settlement account in the rural credit cooperative where the rural self-built house is located.

1 1. Other materials specified by the rural credit cooperatives where the rural self-built houses are located.

Three, the term and amount of rural self-built housing loans

1. The loan amount for rural self-built houses shall not be higher than the actual provident fund loan amount that employees can enjoy; Rural self-built housing loans are secured by mortgage, and rural self-built housing loans shall not exceed 60% of the total construction cost, and rural self-built housing loans shall not exceed 50% of the total construction cost.

2. The loan period for rural self-built houses shall not exceed 20 years, and shall not exceed the statutory retirement age of the borrower.

Four, rural self-built housing loan process

1. Lenders who apply for self-built houses in rural areas will first obtain the Paris property certificate of their rural houses. This step can be omitted if the rural self-built house of the rural self-built house lender already has a real estate license.

2. Then submit the rural self-built housing loan application. After the loan bank agrees, you can use the rural house of the rural self-built house lender as collateral, go to the real estate department for housing evaluation, registration, mortgage and issuance of other house warrants, together with the rural collective land use right and real estate license that the rural self-built house lender has the right to use, as loan collateral, and sign the repayment commitment letter of the rural self-built house lender.

3. After that, the lending bank will handle the loan procedures. The loan amount for rural self-built houses is generally controlled within 70% of the appraisal of rural houses.

This is the end of the introduction of how to loan rural houses and how to loan rural houses. I wonder if you have found the information you need?