1. How to obtain mortgage loans for self-built houses in rural areas?

1. What kind of collateral can be used for bank mortgage loans?

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Real estate. Banks mortgage properties such as personal houses, homes, shops, etc. Using real estate as a mortgage, you can borrow up to 70 to 80 percent of the appraised value.

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2. How can I get a mortgage loan of 300,000 points and repay it in 10 years for a self-built house in a rural town? Is there any?

Does the loan company need it?

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3. How to obtain mortgage loans for self-built houses in rural areas?

As long as the procedures are complete, self-built houses in rural areas can generally be used as mortgages to obtain loans. The most important procedure referred to here is the property ownership certificate of the house. At present, some rural self-built houses in our country only have land use certificates but no house property certificates. In this case, it is impossible to apply for a loan.

In addition, whether self-built houses in rural areas can be used as mortgages for loans depends on the actual situation. Such as the service life of the house, the geographical location of the new house, the realizable value, etc. If the house is old or in a poor location and has a low realizable value, it will not be able to be used as collateral to obtain a loan even if the procedures are complete.

4. How to obtain mortgage loans for self-built houses in rural areas?

1. Rural self-built house loan objects and conditions:

Domestic residents between 18-60 years old and with full capacity for civil conduct. The borrower's residence or production and business premises should be within the service area of ??the association.

2. Basic conditions that should be met when applying for a rural housing construction loan:

(1) The house the borrower applies for a loan to build must be approved by the local village and town construction department and comply with local development planning. (2) The borrower needs to provide approval documents or certification materials from the village and town construction department. (3) The borrower must have a proportion of its own funds that is no less than the prescribed amount, have a strong sense of credit, have a good credit standing, and have the ability to repay the principal and interest of the loan on schedule. (3) The borrower can provide an individual or entity with sufficient repayment capacity as a loan guarantee, or can use valid assets as collateral (pledge). (4) The borrower should open a personal settlement account at the loan credit union (department) and voluntarily accept credit supervision and settlement supervision.

3. Information required to apply for a rural housing loan:

(1) ID cards of the borrower and his family members, household registration certificate and the borrower’s marriage (divorce) prove. (2) Documents proving the purpose of the housing loan. (3) Basic information of the guarantor and relevant certification materials, valid certification materials such as the property rights of the mortgage (pledge) property, etc. (4) Other information specified by the rural credit cooperative. 4. Rural self-built house loan limit: The rural self-built house loan limit should be determined based on self-owned business conditions, income level, credit level, etc., and generally does not exceed 50% of the total house construction funds. 6. Rural self-built house loan period: Within years. The central bank's benchmark loan interest rate serves as the guiding interest rate for loans to rural credit cooperatives. Credit cooperatives have the right to raise or lower the loan interest rate based on the borrower's situation. The lower limit of rural credit cooperative loan interest rates is 0.9 times the benchmark interest rate, and the maximum increase factor is 2.3 times the benchmark loan interest rate.

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. Houses cannot be built outside the planning area or outside the construction land.

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 domestic economic level and the continuous improvement of farmers' income level, 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.

Self-built houses:

What people call self-built houses generally refers to self-built houses in rural areas. In small cities at the county and town levels, there are also a large number of self-built houses. Unlike self-built houses in rural areas, self-built houses in counties and towns do not use collective agricultural land.

Their land properties are generally residential land, commercial land and commercial and residential land. Homeowners often have their own land use certificates and property certificates. Therefore, these lands or properties can be legally transferred or traded. In the past, the urban management system was loose and the threshold for obtaining land use certificates was low. However, with the advancement of urbanization, urban land is becoming increasingly scarce, and more and more towns have raised the threshold for obtaining land or banned the construction of self-built houses. Self-built housing in cities and towns will decrease in the near future.

Approval issues:

The decline of self-built houses is mainly caused by complicated certification procedures and restrictions on local government planning regulations. Improving the insurance law for self-built houses should start from the following aspects: Compensation for demolished private houses shall be strictly based on the local commercial house price plus 60 years of property management fees; abolish urban and rural, regional and place of origin restrictions on housing transactions; abolish the area limit of houses; delete Reduce the complicated construction approval and certificate application procedures, reduce the expensive construction application and land certificate, real estate certificate fees; encourage private housing and provide low-interest support in terms of payment; change the logic of banditry: building commercial housing is the private interest of real estate developers and cannot It is classified as public interest; the government cannot force the renovation and demolition of old cities to open the way for real estate developers. It should return the land to the people as much as possible and collect funds to build apartments after planning. The insurance law for self-built houses based on this principle should be a relatively complete law.