"Rural self-built houses can apply for loans. Generally speaking, rural self-built houses can be loaned, but the lender must meet certain loan conditions. When rural villagers lack housing funds when building their own houses, as long as the lenders meet the relevant loan conditions, they can apply for loans directly to the local rural credit cooperatives. "

Rural self-built housing loan conditions

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.

What are the precautions for building houses in rural areas?

1, solid foundation

Because the location of rural self-built houses is not fixed, the location of houses can be determined by themselves within the specified area. If it is a self-built house with reference objects, it is necessary to ensure the stability and soil quality under the ground and ensure that there are no holes under the ground.

2. Building materials

To build a house in rural areas, building materials need to be selected and purchased according to the local building materials market, because red bricks in some places are just out of stock, unavailable or expensive, so cement bricks can be used, so we still have to look at the local market before making a decision.

3. Frame structure

It is generally enough to build a self-built house in rural areas with 2-4 floors, and it is more common to build two floors and three floors. Therefore, it is enough to choose a brick-concrete structure on the frame structure without completely reinforced concrete, so the cost will be much lower.

4. Roof design

In general, self-built houses in rural areas are often built by pouring concrete roofs first, and then laying tiles on steel shelves. This method is economical and breathable. Another kind is made of concrete directly, which is more beautiful and has better thermal insulation performance, but the cost will be higher.

5. Interior design

The interior design of rural self-built houses should be decided according to the economic ability of different people. Professional designers can be invited to draw drawings and purchase materials according to their own conditions.

Can I build my own house with a provident fund loan?

Self-built houses can be financed by provident fund loans. The loan target of housing provident fund is: employees who need to buy, build, renovate or overhaul their own houses (including employees who retire before the statutory retirement age but still pay the housing provident fund according to regulations). It can be seen that employees who build their own houses can apply for housing provident fund loans. Information required for repossession of the house for construction and renovation: 1, original (one copy) of the construction project planning permit. 2. Original land use right certificate. 3. The original project budget.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Can rural self-built houses use housing provident fund loans?

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, it is recommended that you consult the local provident fund management center for specific conditions.

The above contents are for your reference. Please refer to the actual business regulations.

Can I borrow money from my own house?

Question 1: Can rural self-built houses apply for loans from banks? Our company can handle them.

Question 2: Can I apply for a loan for my own house? How to apply? Personal self-built housing loan refers to the loan issued by the Agricultural Bank to the borrower for the construction of self-occupied housing on the state-owned land that the borrower has independently obtained the right to use in his own name. Personal self-built housing loan application conditions The borrower has full capacity for civil conduct and legal and valid identity; The borrower has the ability to repay the loan principal and interest; The borrower's credit status is good, and there is no record of overdue loans for more than 90 consecutive days (if there is such record, the original proof that all loans have been settled must be provided), and there is no overdue loan principal and interest when applying for loans; The houses built are limited to the towns where large and medium-sized cities or counties (cities) are located, or key towns recognized at the provincial level. The land occupied by building is acquired by means of transfer, and the borrower has paid the land transfer fee in full, and independently obtained the state-owned land use certificate in the name of the borrower. The planned land must be residential, and the land transfer time shall not exceed 2 years; Independent acquisition of all legal documents and approvals required for building in the name of the borrower, and the image progress of the project under construction at the time of loan issuance has been completed at the bottom; The borrower has paid more than 30% down payment (the land transfer fee can be regarded as an integral part of the down payment); Agree to use the built house as collateral, or provide other guarantee methods recognized by the handling bank; Other conditions stipulated by the Agricultural Bank. Information required for applying for personal self-built housing loan, proof of identity of the borrower and proof of marital status; Proof of repayment ability; Proof of down payment; If there is a * * * borrower or a * * owner, the * * * borrower or the * * owner shall provide relevant identity documents and a pledge to agree to mortgage, and if there is a * * * borrower, proof of repayment ability shall be provided; Proof of the right to use the state-owned land of the construction project and proof that all land transfer fees have been paid; Construction land planning permit, construction project planning permit, construction project construction permit, or provide all legal construction approval documents for local self-built houses; The legal and effective construction project (construction) contract signed by the borrower and the contractor; Project budget data, project progress plan and housing fund vouchers that have been invested; Other information required by the Agricultural Bank. If the loan amount is mortgaged by the right to use the state-owned land to be built, the loan amount shall not exceed 70% of the land; If other houses are used as collateral, the loan amount shall not exceed 70% of the assessed price of the collateral; With self-built projects under construction (including state-owned land use rights) as collateral, the loan amount shall not exceed 50% of the projects under construction.

Question 3: How can I borrow money to build my own house? Because you need 200 thousand, no more, no less. You can use the work loan to see if there is a provident fund for your work. If there is a provident fund, you can also borrow money from the bank. Secondly, it depends on whether there is a car in your personal name and whether the car can be mortgaged. If you put them together, you should be able to make money. If you really want to go to the bank, it depends on whether your immediate family members are older. I hope I can help you.

Question 4: Can individuals apply for bank mortgage when buying private houses? Private self-built house with complete double certificates. If the land belongs to circulation, you can go through the formalities at the rural credit cooperatives.

Question 5: Can rural self-built houses be loaned? You can go through the mortgage formalities, and you can go to the bank evaluation department for consultation with the real estate license.

Question 6: Can the rural self-built house property certificate be loaned? The loan policy for self-built houses is as follows for reference. More content can also build fans in Baidu.

Loans often take three forms: banks, intermediaries and loan companies.

If you want to borrow money from a bank, the general loan process is as follows:

First, apply for a loan.

Then, the bank will evaluate your credit rating according to your application.

Then, you can wait for the loan approval.

Finally, you wait for the loan to be issued.

Through an intermediary.

For customers who don't know about loan products, I suggest you choose this method. The so-called intermediary lending platform means that such platforms have established cooperative relations with banks and formal lending institutions. Customers can consult first and then find suitable institutions and loan products, and then hand them over to banks or loan institutions for handling.

Taking Rong 360 as an example, the process of online personal loan application is: platform loan application-platform qualification investigation-recommendation institution-institution negotiation and successful loan signing.

Through the loan company.

At present, there are many loan companies in the market, such as CreditEase, Urgent Loan and Zhongan Credit. There are also a large number of loan companies in the name of guarantee and consultation. There are also some electronic financial institutions, such as the p2p-based Renren loan website. These institutions can also apply for loans.

It should be reminded that:

Because the internet is full of scammers, phishing websites and loan companies, and you don't know the qualifications and legitimacy of such loan companies, you are likely to fall into the trap of scammers.

In addition, there is ICBC's self-built housing loan policy for your reference.

ICBC's self-built housing loan refers to the loan issued by the lender to the borrower for self-built housing.

China Industrial and Commercial Bank self-built housing loan application conditions

1. The house built is reasonable in design, can be traded on the market, has strong liquidity and can be mortgaged;

2, the construction land must be obtained by paid transfer, and the borrower is the right to use state-owned land;

3. The house has been approved by the relevant departments, and the procedures are legal, complete, true and effective;

4. The borrower (the builder) has obtained the state-owned land use certificate, the construction land planning permit, the construction project planning permit and the building construction permits and other construction documents;

5. The borrower has paid off all the land payment and obtained the land payment voucher;

6, self-built housing construction project budget and project construction progress;

7. The house built has no property right.

Term of China Industrial and Commercial Bank's self-built house loan

The longest loan period is 30 years, and the sum of the borrower's age and loan period shall not exceed 70 years. If more than two borrowers borrow from the same borrower, the loan term may be determined according to the lesser one that meets the loan conditions.

The loan amount and interest rate of ICBC's self-built house

ICBC's self-built house loan amount: The maximum loan amount is 70% of the house.

Interest rate of ICBC's self-built housing loan: subject to the provisions of the central bank.

I hope I can help you.

Question 7: Can I apply for provident fund loans for self-built houses? Yes

The loan target of housing provident fund is: employees who need to buy, build, renovate or overhaul their own houses (including employees who retire before the statutory retirement age but still pay the housing provident fund according to regulations). It can be seen that employees who build their own houses can apply for housing provident fund loans.

Workers who build self-occupied housing and apply for housing provident fund loans must meet the following two conditions:

(a) to provide relevant certification materials for the construction of self-occupied housing;

(two) with more than 30% of the self-occupied housing construction funds.

Article 13 of the Interim Measures for Personal Housing Entrusted Loan of Housing Provident Fund stipulates that the borrower of housing provident fund can repay the loan in advance, but it needs to notify the client in writing in advance, and then notify the trustee and the borrower to handle the relevant procedures after the consent of the client. The interest charged according to the interest rate agreed in the original contract will not be adjusted, and the loan principal returned by the borrower in advance will be charged according to its actual use time and current execution interest rate.

Question 8: Can I apply for a loan to build a house in rural areas? Yes, there are suggestions for this policy in rural areas. Please consult your local village head and call the rural credit cooperative.

Question 9: How can rural self-built houses borrow money from banks? 25. Rural housing loans are loans to individual industrial and commercial households and natural persons with full civil capacity in the county to build houses.

The object and conditions of rural self-built housing loans:

/kloc-a domestic resident aged 0/8-60 with full capacity for civil conduct. The domicile or production and business premises of the borrower shall be within the service area of the Association.

Basic conditions for applying for rural housing loans:

(a), the borrower to apply for a loan to build a house, need to be approved by the local rural construction department, in line with the local development plan.

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

(3) The borrower must have a proportion of its own funds not less than the specified amount, have a strong sense of credit, have a good credit standing, and have the ability to repay the loan principal and interest on schedule.

(3) The borrower can provide individuals or units with sufficient compensatory capacity as loan guarantees, or can use effective assets as collateral.

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

Information required for applying for rural housing loan:

(a) the identity card, household registration certificate and marriage certificate of the borrower and his family members.

(two) the use of housing loans.

(3) Basic information of the guarantor and relevant certification materials, and valid certification materials such as the property right of the mortgaged property.

(4) Other materials provided by rural credit cooperatives.

Rural self-built housing loan amount:

The amount of rural housing loans should be determined according to their own operating conditions, income levels and credit levels. , generally not more than 50% of the total housing funds.

Rural self-built housing loan period:

The term of rural housing loan should be reasonably determined according to the borrower's own operating conditions and income sources, and should be controlled within five years in principle. The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives, and credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation. The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate, and the maximum floating coefficient is 2.3 times of the benchmark interest rate.

Can I apply for a loan if I don't have enough money to build a house in rural areas? If so, how much can I borrow?

Can I apply for a loan if I don't have enough money to build a house in rural areas? If so, how much can I borrow? You can apply for a loan. Rural housing loan is a housing construction loan issued to individual industrial and commercial households and natural persons with full civil capacity in the county. The loan must meet certain conditions: the borrower is between 18 and 60 years old, the borrower should be a domestic resident with full capacity for civil conduct, and the domicile or production and business operation place should be in the service area of the Union.

How much can rural self-built houses be loaned?

The loan amount for rural housing construction does not exceed 50% of the total housing construction funds, that is, the applicant needs to pay half of the housing construction costs by himself. The specific loan amount will also be determined according to the applicant's income level and repayment ability. The loan term will also be determined according to the applicant's qualifications. Usually no more than 5 years. According to the benchmark lending rate of the central bank, the lower limit is 0.9 times of the benchmark lending rate and the upper limit is 2.3 times of the benchmark lending rate.

What conditions do rural housing loans need to meet?

The borrower's application for a loan to build a house must be approved by the local village and town construction department and conform to the local development plan. The borrower shall provide the approval documents or certification materials of the rural construction department. The borrower should have no less than the prescribed proportion of its own funds, strong credit concept, good credit status and the ability to repay the principal and interest of the loan on time. Borrowers can provide loan guarantees to individuals or units with sufficient compensation capacity, and can also use effective assets as collateral (pledge). The borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept credit supervision and settlement supervision.

The following materials need to be prepared:

Other materials required for loans from rural credit cooperatives. Basic information of the guarantor and relevant certification materials, as well as valid certification materials such as the property rights of the collateral. Identity cards, household registration certificates of the lender and its family members or marriage (divorce) certificates of the borrower. Proof of use of housing loan.

With the development of China's modernization, the countryside has shown a thriving scene in recent years, and the rural landscape has also undergone great changes. Many people tear down old houses and build new ones, but building new ones also costs a lot of money.

Can rural self-built houses be mortgaged?

To handle the personal mortgage (pledge) revolving loan business in China Bank, the collateral should meet the following conditions: (1) I have legal and complete ownership, mortgaged real estate (including residential and commercial housing) that meets the requirements of the Guarantee Law, and farmers' housing property rights that meet the requirements of the Bank's Measures for the Administration of Mortgage Loans for Farmers' Housing Property Rights, and have not been mortgaged to other creditors (it has been mortgaged to the bank according to previous loan contracts, but (2) When applying for personal consumption loan with collateral owned by a third party or shared by the borrower and the third party, the owner of the collateral or the owner must present his valid identity certificate to the bank to sign all relevant documents. If there are * * * shares, the applicant shall provide proof of ownership and indicate its share; For those owned by * * * and * * *, the applicant shall provide other written documents unanimously declared by * * *. (3) Commercial houses used as collateral must have independent property rights and can be disposed of separately, with good location and great appreciation potential (refer to local BOC outlets for specific standards). (4) If there are multiple collateral, you can apply for one mortgage turnover line or apply for multiple mortgage turnover lines separately, but multiple mortgage turnover lines cannot use the same collateral.

Because there are some differences in different regions, please consult local institutions in detail when applying for loans.

The above contents are for your reference. Please refer to the actual business regulations.