In cities, borrowing money to buy a house may have become a habit. Many rural people also want to borrow money to buy a house. However, compared with rural houses, the total house payment is very small, and almost all of them save money to build houses. But now with the improvement of living standards, many rural people also want to borrow money to buy a house. So, can rural houses be loaned? What information do you need for a loan?

Can I get a loan for a house in the countryside?

Rural houses can be loaned, and the loan process is as follows:

1. Lenders who apply for rural housing will first issue a Paris real estate certificate for their rural housing. This step can be omitted if the farmer's farm house has a real estate license.

2. Then submit the application for rural housing loan. With the consent of the loan bank, the rural house of the rural house lender can be used as the mortgage to go to the real estate department for housing evaluation, registration, mortgage and issuance of other house warrants, and together with the rural collective land use right and house property right certificate that the rural house lender has the right to use as the loan mortgage, a repayment commitment letter of the rural house lender can be signed.

3. After that, the lending bank will handle the loan procedures. The loan amount of rural housing is generally controlled within 70% of the valuation of rural housing.

What information do you need to apply for a rural housing loan?

1. The ID card and household registration book of the rural housing lender, together with a copy of the ID card and household registration book;

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

3. The loan purpose of rural housing lenders;

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

5 rural housing lenders' ownership and mortgage status of collateral, as well as the commitment of loan banks to the disposal of collateral;

6 rural housing lenders can not repay the loan, with the consent of the collective economic organization where the rural housing is located.

7. Written proof that the rural housing lender agrees to the bank's disposal of the mortgaged house;

8. If a third party other than the rural 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 housing * * * Some people agree with the written opinion of housing mortgage;

10. Open a settlement account in the local rural credit cooperative;

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

To sum up, this paper mainly talks about whether rural housing can be loaned and what information is needed for rural housing loans. We really understand that rural houses can also be loaned, as long as they meet the loan conditions. Then prepare the relevant information and apply for a loan at the bank.