cannot
Second, how to mortgage loans for rural self-built houses
According to the Civil Code of People's Republic of China (PRC), rural houses can be used as mortgage loans. Homestead can't be mortgaged, but legally built houses can. China's laws stipulate that collectively owned land use rights such as cultivated land, homestead, private plots and private plots shall not be mortgaged.
legal ground
Article 399 of the Civil Code stipulates that 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 welfare facilities of non-profit legal persons established for the purpose of 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;
Other abstracts that may not be mortgaged according to laws and administrative regulations.
How to mortgage loans for rural self-built houses? Ask a question
According to the Civil Code of People's Republic of China (PRC), rural houses can be used as mortgage loans. Homestead can't be mortgaged, but legally built houses can. China's laws stipulate that collectively owned land use rights such as cultivated land, homestead, private plots and private plots shall not be mortgaged.
legal ground
Article 399 of the Civil Code stipulates that 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 welfare facilities of non-profit legal persons established for the purpose of 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;
Other answers that are not allowed by laws and administrative regulations.
Third, can rural self-built houses be mortgaged? Have a real estate license
1. What mortgages can be used for bank mortgage loans?
1. 1
Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage loan with real estate generally needs to be evaluated first. After the evaluation is passed, the loan can reach 70% to 80% of the evaluation price.
1.2