With the rapid economic development, we know that many rural friends are also rich and have some spare money, so they want to build a house to improve their lives at this time, but sometimes the economy will have some impact, so they will think of using loans at this time. The following small series will introduce you to rural housing construction. Can I borrow some money?

You can apply for a loan to build a house in the countryside. The basic conditions for applying for rural housing loans are:

1. The house that the borrower applies for a loan to build must be approved by the local village and town construction department and conform to 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.

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

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

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.

Housing mortgage loan application conditions:

1, nature of the house; Houses, office buildings, villas, commercial houses, houses and affordable housing (strict requirements for affordable housing) have clear property rights within 20 years.

2. Have a stable occupation and income.

3. Have the ability to repay the loan principal and interest on schedule.

4. There are assets recognized by the loan bank that can be mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions for their guarantee.

5, there is a contract or agreement to buy housing.

6. The age should be 18-65 years old.

Summary: The relevant content of building houses in rural areas ends here. Rural housing can also be loaned, but you can only apply if you meet the conditions, so you must know the relevant situation before buying. I hope the above introduction will be helpful to everyone.

Can rural homestead be mortgaged? How is the mortgage policy of new rural homestead stipulated?

Can rural homestead be mortgaged? The State Council issued "Guiding Opinions on Launching the Pilot Project of Rural Contracted Land Management Right and Mortgage Loan for Farmers' Housing Property Rights" (hereinafter referred to as "Opinions"). The Opinions put forward five new policies for the mortgage loan of rural residential land in the pilot project: 1, giving the mortgage financing function of "two rights", safeguarding, realizing and developing farmers' land rights and interests, implementing the mortgage financing function of "two rights" and revitalizing the property attribute of farmers' land usufructuary rights; 2. Promote the innovation of rural financial products and services, and increase innovation support in terms of loan interest rate, term, quota, guarantee and risk control; 3. Establish a collateral disposal mechanism, allow financial institutions to dispose of collateral in various ways according to law and improve collateral disposal measures under the premise of protecting farmers' contracting rights and basic housing rights; 4. Improve the supporting measures. Pilot areas should speed up the registration and certification of rural land contractual management rights, homestead use rights and farmers' housing ownership, establish and improve the rural land property rights trading platform, and establish and improve the rural credit system; 5, increase support and coordination, in terms of monetary policy, fiscal policy, regulatory policy, insurance protection, etc. , increase support and coordination.

Can rural self-built houses apply for bank loans?

Houses in rural areas can't be mortgaged like commercial houses.

The property right certificate of many houses belongs to collective property right, which means that there is no individual property right certificate, which means that you can't apply for a bank loan. For friends who have got the real estate license, it is enough to mark "permanent use right" on your land use certificate, and other rural self-built houses are not allowed.

A house marked with "permanent use right" means that not only the house belongs to you personally, but also the land is in your name. At present, there is basically no private ownership of land in China, which is all state-owned.

The Interim Measures for the Pilot Project of Mortgage Loan for Farmers' Housing Property Rights was promulgated. Before the introduction of this method, rural self-built houses could not be mortgaged, because the security law clearly stipulated that collectively owned land use rights such as homesteads could not be mortgaged.

Extended data

Although rural self-built houses cannot be mortgaged to banks, they can apply for loans from local rural credit cooperatives when building houses, and the loans are mainly for farmers' friends. But if you have a provident fund, you can also apply for a provident fund loan from the bank. China's provident fund regulations clearly stipulate that the provident fund can be used to build your own house. You can take it out directly or borrow money.

Loan conditions of mortgage loan: legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;