Rural real estate license can be loaned. You can apply for a bank loan.

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.

Legal basis:

Article 399 of the Civil Code of People's Republic of China (PRC) The following properties shall not be mortgaged:

(1) Land ownership; (two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law; (3) Educational facilities, medical and health facilities and other public facilities of non-profit legal persons established for public welfare, such as schools, kindergartens and medical institutions; (4) Property whose ownership and use right are unknown or controversial; (5) Property that has been sealed up, detained or supervised according to law; (6)

Can rural real estate license be loaned?

Rural real estate license cannot be loaned. Mainly rural housing only has collective land use warrants, and there is no housing ownership certificate, that is, rural housing lacks registration confirmation system and property rights are unclear. Therefore, farmers apply for mortgage loans for rural houses, and rural houses need to be approved by the village Committee, which is the land ownership unit where the houses are located. Moreover, the mortgagor must have the right to dispose of the mortgaged property. If * * * has property as collateral, it must obtain the consent of * * *.

First of all, the mortgaged house must register the ownership of the house and obtain the ownership certificate issued by the real estate registration authority. The "Interim Measures" stipulates that in order to register housing ownership, the applicant needs to submit an application for housing ownership, a valid identity document, a collective land use certificate, a statement on housing project quality, and a mapping report on the registered housing construction area to the housing management department.

Secondly, for housing mortgage registration, the applicant should submit an application for mortgage registration to the housing management department, as well as the identity cards, loan and mortgage contracts, collective land use certificates and housing ownership certificates of the mortgagor and mortgagee. If the ownership is disputed or the collective land use certificate or house ownership certificate has not been obtained, no mortgage may be set.

The loan collateral is appraised by a professional appraisal agency, and the loan amount is generally 60% of the collateral value.

Can rural houses have real estate licenses and land use certificates as mortgage loans?

Rural houses with real estate license and land use certificate can be mortgaged.

1. Self-built houses in rural areas can generally be mortgaged if the procedures are complete. The most important procedure here is the property right certificate of the house. At present, there are some self-built houses in rural areas in China, with only land use certificates and no housing property certificates. It is impossible to apply for a loan in this situation.

2. Whether rural self-built houses can be mortgaged depends on the actual situation. Such as the service life of the house, the geographical location of the new house, the realized value, etc. If the house has a long life or a poor location and the realized value is low, even if the procedures are complete, it cannot be used as a mortgage to obtain a loan.

Bank mortgage loan

I. Personal housing loans

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.