With the increasingly strict rural housing construction, some adjustments and changes have taken place in the loan policy. What are the loan policies for rural housing construction? Today, Bian Xiao will answer your questions. Friends who want to know may wish to see with Bian Xiao what kind of self-built houses can't be loaned!

1. What are the rural housing loan policies?

1. The building applied by the lender must be approved by the local village and town construction department and conform to the local development and planning.

2. The lender shall prepare the documents and materials approved by the rural construction department.

3. The lender's capital ratio should be no less than the specified amount, its credit status should be good, and it should have the ability to repay the loan principal and interest on schedule.

4. The lender shall provide individuals or units with compensatory ability as the guarantee of the loan, or have effective assets as collateral.

5. The lender shall open a personal loan settlement account and be willing to accept the supervision of credit and settlement.

6, the amount of rural housing loans should be determined according to the level of personal income and personal credit, generally not more than 50% of the total housing funds.

Second, what kind of self-built houses can't be loaned?

1, it is difficult to handle without a license.

There is still a big difference between self-built houses and commercial houses. General commercial housing has land use certificate and real estate license. If there is no property right certificate, the house cannot be used as collateral for the loan. Therefore, most banks do not accept self-built houses as collateral for mortgage loans.

2, collective land, incomplete documents

Most self-built houses belong to collective land, which is what people call small property houses, so banks can't use self-built houses as mortgage loans.

3. Unclear property rights and debt disputes.

4, does not meet the requirements of bank mortgage loans.

Bian Xiao concluded: The above are the rural housing loan policies shared by Bian Xiao, and what kind of self-built houses can't be loaned. I believe that everyone has a corresponding understanding after reading the above sharing. For more information, please keep an eye on Qijia. com。

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