You can apply for a loan at any local banking financial institution, and the Agricultural Bank, China Construction Bank and rural commercial banks will accept it.

Guiding Opinions of the State Council on Pilot Project of Rural Contracted Land Management Right and Farmers' Housing Property Right Mortgage Loan (Guo Fa [2015] No.45) and the National People's Congress Standing Committee (NPCSC)'s decision on authorizing the State Council to temporarily adjust and implement relevant laws and regulations in 232 pilot counties (cities, districts) such as Daxing District in Beijing and 59 pilot counties (cities, districts) such as Jixian County in Tianjin:

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.

The list of pilot counties (cities, districts) of farmers' housing property mortgage loans is as follows:

When a borrower applies for a loan with farmers' housing ownership and homestead use right as collateral, it shall meet the following conditions:

1. has full capacity for civil conduct and no bad credit record;

2. The ownership of the mortgaged house and the right to use the homestead are uncontroversial, and the ownership certificate issued by the relevant government departments according to law is not included in the scope of land acquisition and demolition;

3. The borrower shall have other long-term and stable residence besides the peasant housing used for mortgage, and can provide relevant certification materials;

4 collective economic organizations agree in writing to mortgage the right to use the homestead and dispose of it together with the farmers' housing. With * * * farmers housing mortgage, should also obtain the written consent of other * * *.

Extended data

Provisions on both borrowers and borrowers in the Interim Measures for the Pilot Project of Farmers' Housing Property Mortgage Loan;

Article 5 The mortgage loan of farmers' housing property rights obtained by the borrower shall be given priority for legitimate purposes such as agricultural production and operation recognized by the lender.

Article 6 The lender shall make overall consideration of the borrower's credit status, loan demand and repayment ability, the value of house ownership and homestead use right used for mortgage, and reasonably and independently determine the mortgage interest rate and actual loan amount of farmers' housing property rights mortgage loan. Lenders are encouraged to appropriately increase the loan mortgage rate of honest and trustworthy borrowers with the support of financial interest subsidies, agricultural insurance or farmers' housing insurance.

Article 7 The lender shall refer to the benchmark interest rate of the same period and grade published by the People's Bank of China, and combine the actual situation of the borrower to reasonably and independently determine the mortgage interest rate of farmers' housing and real estate.

Article 8 The lender shall comprehensively consider the borrower's age, loan amount, loan purpose, repayment ability and the situation of farmers' houses and homesteads used for mortgage, and determine the loan term reasonably and independently.

Article 9 Lenders and borrowers can determine the value of house ownership and homestead use right fairly, justly and objectively through entrusting a third-party real estate appraisal agency to appraise, the lender's own appraisal or negotiation between the two parties.

Article 10 Lenders are encouraged to actively innovate credit products and service methods according to the needs of borrowers, simplify loan procedures, strengthen loan risk control, and comprehensively improve the quality and efficiency of loan services. In addition to the loan interest rate agreed in the mortgage contract of farmers' housing property rights, other borrowing costs shall not be increased or disguised.

Article 11 Both borrowers and borrowers shall, in accordance with the provisions of the pilot areas, go to the real estate registration agency determined by the government of the pilot areas for mortgage registration of house ownership and homestead use rights.

Article 12 If the borrower fails to perform the due debt or needs to exercise the mortgage right according to the circumstances agreed between the borrower and the borrower, the lender shall, in combination with the actual situation of the experimental area, cooperate with the government of the experimental area to dispose of the collateral through loan restructuring, orderly repayment, real estate sale or auction. The lender shall give priority to the payment from the disposal of the collateral. In principle, the transferee's scope should be limited to the sale or auction of mortgaged farmers' houses stipulated by relevant laws and regulations and the State Council.

Thirteenth pilot areas of the government should accelerate the administrative area of housing ownership and homestead use right investigation and registration certification, and actively organize the collective construction land benchmark land price formulation, value assessment, collateral disposal mechanism and other supporting work.

Article 14 Governments in pilot areas are encouraged to set up risk compensation funds for farmers' housing property mortgage loans to share loan losses caused by natural disasters and other force majeure, to protect farmers' basic housing rights and interests during the disposal of collateral, or to give appropriate interest subsidies to farmers' housing property mortgage loans according to local financial resources, so as to enhance the loan incentives of lenders.

Fifteenth pilot areas are encouraged to provide guarantees for farmers' housing property mortgage loans through government guarantee companies.

Article 16 The branches of the People's Bank of China in the pilot areas should increase their support for the re-lending of farmers' housing property rights mortgage loans that have achieved good results.

Article 17 The banking supervision institution shall make overall research, reasonably determine the calculation rules and incentive policies in terms of risk weight, fund provision and loan classification of farmers' housing property rights mortgage loans, and support financial institutions to carry out farmers' housing property rights mortgage loans.

Eighteenth insurance supervision and management institutions should speed up the improvement of agricultural insurance and farmers' housing insurance policies, and provide credit support to borrowers by exploring the development of farmers' housing property mortgage loan guarantee insurance business and other ways.

People's Daily Online-The list of pilot counties (cities, districts) for farmers' housing property mortgage loans was announced.