It is a common practice to borrow money to buy a house now, but most of them use houses in real estate projects for loans, and it is rarely heard that rural houses are used for loans. So can rural houses be used for loans? Let's have a look!
Can I get a loan for a house in the countryside?
Generally speaking, rural houses cannot be loaned, because the land of rural houses belongs to collective ownership and cannot be mortgaged or auctioned, so rural houses cannot be loaned. However, some banks are aimed at farmers, such as credit cooperatives, Agricultural Bank of China and postal services. If you want to borrow money, you can consult these banks first to see if there is a suitable loan method.
How to borrow money for rural real estate
1. Before the loan, the lender needs to fill out an application for real estate mortgage and submit the supporting materials required by the bank. Such as: the borrower's income certificate, the guarantor's business license and the borrower's credit certificate. You need to be prepared in advance.
2. The bank will review the borrower's loan application, house purchase contract and related materials.
3. The borrower shall hand over the title certificate and insurance policy of the mortgaged property to the bank for safekeeping.
4. Guarantors of both borrowers and borrowers need to sign a housing mortgage loan contract and notarize it.
5. After the real estate mortgage loan contract is signed and notarized, the bank will transfer the loan amount to the house selling or building center stipulated in the house purchase contract or agreement.
6. Loan settlement: including normal settlement and early settlement.
① Normal settlement: on the maturity date of the loan, the principal and interest will be paid in one lump sum or the first payment will be made after the loan;
② Early settlement: Before the loan expires, the borrower must make an application to the bank according to the loan contract and repay the loan at the designated counter after approval by the bank.
Bian Xiao concluded: The above is about whether rural houses can be loaned. I don't know if you understand! The problem of rural housing loans also depends on the specific situation. If you have a real estate license, you can also go to the local bank.
2. Can a rural hukou buy a house with a loan?
Small fund loan
3. I am a farmer. How do I apply for a housing loan? Is it easy to apply?
In this crisp autumn weather, I am very happy to share my views on this issue with you. Here we walk into this problem together, and now let's discuss it together.
Farmers apply for housing loans as follows: first, the applicant's ID card, the original and photocopy of the household registration book, and the marriage certificate; Second, the applicant's family income materials and related certificates; Third, the applicant has a stable and legitimate economic income and the ability to repay interest; The applicant must have the mortgage of house rights and interests and the guarantee of relevant personnel; Fourth, the applicant should prepare relevant materials and fill in the loan application form in the bank, and the bank will lend money after your materials are approved.
I will share the following quality contents with you. First of all, I would like to share my personal views and thoughts on this issue. I also hope that my sharing can bring you help and happiness, and I hope that you will like my sharing.
Theoretically speaking, you must have a down payment, and the rest can be paid to the developer or the original homeowner through bank loans. If you want to borrow money to make up the down payment, the state is not allowed. I suggest you don't do it either There is too much pressure to repay the loan. It is possible that the capital chain will be broken, which will affect the living standard and credit information will be greatly affected. If the credit information is not good, it will be difficult to move in the future, and it will also have a certain impact on children! So think twice before you act, act and cherish!
If you have the down payment, it will be easier for you to get a loan from the bank. For the new house, the property consultant will tell you the materials you need, and you can prepare according to her! The information is ready, just give it to the property consultant! If it is a second-hand house, just prepare the materials directly according to the intermediary, usually work (income) certificate, marriage certificate, bank running water, ID card and so on! If there is no intermediary, go directly to the bank to consult and prepare materials!
Above, my wonderful sharing is the answer to this question, all my true thoughts and opinions. At the same time, I hope that the answer to this question I shared can help everyone.
I also hope that everyone will like my answer. If you have a better answer and opinion on this question, please share your comments and join us in this topic.
I'm here, and I sincerely wish you all happiness, health, family and prosperity every day, make a fortune every year and prosper your business. Thank you.
Finally, everyone is welcome to speak freely on this issue. If you like me, remember to pay attention to it and share and answer my thoughts and opinions for you every day.
4. Can I get a loan to buy a house in the countryside?
Yes, you don't need a guarantor, but only if your house has a real estate license and has been evaluated. In the past, rural houses could not be mortgaged, mainly because rural houses only had collective land use warrants, but no house ownership warrants, that is, rural houses lacked registration confirmation system and unclear property rights. Therefore, when farmers apply for mortgage loans for rural houses, the 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.