Yes, you can. The rural self-built immovable property certificate can be mortgaged, but it meets the following conditions:
1. The lender himself should have legal status.
2. The lender should have a stable job and income, have the economic ability to repay the loan principal and interest, and have no bad credit record.
3. There should be a legal and effective purchase contract.
4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract and the age of the house is within 10 years.
Can rural real estate license be mortgaged?
Legal analysis: the certificate of immovable property rights can be mortgaged, but the mortgage loan also needs to meet the following conditions:
1. The lender shall have legal status.
2. The lender should have a stable job and income, have the economic ability to repay the loan principal and interest, and have no bad credit record.
3, should have a legal and effective purchase contract.
4. If the newly purchased house is used as the maximum mortgage, there must be a legal and effective purchase contract, and the age of the house is within 10 years. At the same time, it should also have a down payment of not less than 30% of the total price of the purchased house.
5. The mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, and the loan balance is less than 60% of the value of the mortgaged house.
6. It can provide effective guarantee recognized by the loan bank.
7. Other conditions stipulated by the lending bank.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 353 The holder of the right to use construction land has the right to transfer, exchange, contribute, donate or mortgage the right to use construction land, except as otherwise provided by law.
Article 354 Where the right to use construction land is transferred, exchanged, contributed, donated or mortgaged, the parties concerned shall conclude a written contract. The term of use shall be agreed by the parties, but it shall not exceed the remaining term of the right to use the construction land.
Can rural property right certificate be mortgaged?
Legal analysis: Yes, but it must meet the mortgage loan conditions. (1) Having a good credit record with full capacity for civil conduct; (two) housing mortgages, homestead use rights disputes; (3) The ownership certificate issued by the relevant government departments is not within the scope of collection; (3) In addition to farmers' housing mortgage, loans should be used to stabilize the residence, and relevant certification materials should be provided; (4) If the collective economic organization agrees in writing that the right to use the homestead is mortgaged by the farmer's house, it shall obtain the written consent of the farmer's house.
Legal Basis: Temporary Pilot Office for Mortgage Loan of Farmers' Housing Property Rights Article 2 The mortgage loan of farmers' housing property rights mentioned in this office refers to the act of granting (lending) to eligible farmers' housing by banking financial institutions on the premise of changing the nature of the homestead and taking farmers' housing rights and the right to use the homestead as collateral. Interest-bearing loans within the agreed period Article 4 of the Interim Measures for the Pilot Project of Mortgage Loans for Farmers' Housing Property Rights: Borrow farmers' housing rights and homestead use rights as collateral. To apply for a loan, the following conditions should be met at the same time: (1) Good credit record with full capacity for civil conduct; (2) Disputes over the right to use housing mortgages and homestead are not included in the scope of collection; (3) In addition to farmers' housing mortgage, the loan should stabilize the residence and provide relevant certification materials. 4) The collective economic organization agrees in writing that the right to use the homestead is mortgaged by farmers' houses, and the mortgage of farmers' houses must be agreed in writing by them.