The house certificate cannot be used for loans, and bank loans need stable repayment sources and good credit information. The proof of the house book does not meet the conditions for the bank to handle the loan, and requires income proof, address proof, credit information and other materials;
Requirements for bank loans:
(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Other conditions required by the lending bank.
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
These procedures are usually divided into three steps:
(1) Basic information submitted by the customer, including work unit and contact telephone number.
(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.
(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.
2. Can rural homestead be used for bank loans or pawn?
Can't go to the bank to mortgage. Homestead belongs to the circulation between body members. It doesn't matter if you can't go to the city to buy a homestead to build a house. You can try a pawnshop.
Please adopt
3. Can the homestead apply for a bank loan?
No, the homestead is owned by the state and cannot be used as a mortgage loan for personal property.
4. Can rural homestead be loaned?
How to use the rural homestead loan 15 points
Rural homestead really can't be mortgaged. The bank loan supervision department will verify your house. No matter how flexible it is, it is impossible to treat rural houses as commercial houses, but commercial houses in urban areas. The reason why they think it must be a commercial house in the urban area is because the commercial house in the urban area can be effectively valued and easily implemented (the house can be bought without repayment of the loan), while the house in the rural area cannot be implemented, because there are laws and regulations, no matter how it is implemented, it is necessary to ensure that the executed person has a room to live in. So rural houses can't be implemented, that is, the loan risk of banks can't be controlled, so banks won't lend such real estate, do you think?
In addition, if you are short of money, can you find a way to borrow money through sharing, and how much commission can you give when you promise to borrow money? In short, do something. It's really not easy to do something in the countryside.
Can a house on a rural homestead be mortgaged?
Teacher Qiao's consultation: I am a farmer. A few years ago, I made some money in aquaculture. Because of the concept problem, I spent all my money on building a house and rebuilt a three-story building on the old homestead. Recently, I wanted to expand the scale of farming, so I asked for a loan from a credit cooperative. The credit union asked me to provide a guarantee, and I offered to use the building as collateral, but the credit union said no, and they would face great risks if they accepted the farm house mortgage. I want to ask: 1. According to the guarantee law, can rural houses and homesteads be mortgaged? Second, the credit cooperatives say that the rural housing mortgage loans they face are too risky. Why? Lawyer's answer: According to your consultation, the answer is as follows: 1. Mortgage refers to the legal act that the debtor or the third party does not transfer the possession of the property and takes the property as the creditor's right guarantee. When the debtor fails to perform the debt, the creditor has the right to discount it according to law or give priority to compensation with the price of auction or sale of the property. Item 1 of Article 34 of the Guarantee Law stipulates that houses and other things fixed on the ground owned by the mortgagor can be mortgaged. However, the second paragraph of Article 37 of the Guarantee Law stipulates that collectively owned land use rights such as cultivated land and homestead shall not be mortgaged. Because the "Guarantee Law" prohibits the mortgage of rural homestead, some people think that the house on the homestead cannot be separated from the homestead, and of course it cannot be mortgaged. This understanding is wrong. It should be effective for farmers to mortgage the houses on the homestead. Second, the huge risks mentioned by credit cooperatives exist. According to the above regulations, although the mortgage of the house on the homestead is effective, the effectiveness of the mortgage can not reach the right to use the homestead within the occupied area of the house. Once the debtor can't pay off the debt, the creditor can only give priority to the building materials of the mortgaged house as movable property. It is undoubtedly a waste to demolish a house and pay off debts with building materials, which greatly reduces the value of the house. Moreover, Article 6 of the Supreme People's Provisions on the Attachment, Seizure and Freezing of Property in People's Civil Execution stipulates: "The people may attach the residential houses necessary for the life of the executed person and his dependents, but they may not auction, sell off or pay off their debts." Therefore, there are obstacles for creditors to realize mortgage right by setting mortgage on rural houses. In addition, the Opinions of the Ministry of Land and Resources on Strengthening the Management of Rural Homestead stipulates: "It is strictly forbidden for urban residents to buy homesteads in rural areas, and it is strictly forbidden to issue land use certificates for houses purchased by urban residents in rural areas." In this way, the buyers and sellers of rural houses are very narrow. Based on the above-mentioned actual situation and regulations, it is understandable that creditors such as financial institutions are generally unwilling to accept borrowers' mortgage on rural houses. Therefore, it is suggested that you provide other guarantees other than houses to the credit cooperatives. Third, the above suggestions are for your reference. Lawyer Pan of Kaian Law Firm
Can rural homestead housing be mortgaged in the bank?
Editor: I am a farmer. I have been cultivating mushrooms at home for several years. Recently, I wanted to build another planting shed to expand the planting scale, so I sought a loan from a local bank. The bank asked me to provide a guarantee, and I offered to use my house as a mortgage, but the bank said that the law stipulated that the rural homestead could not be mortgaged, and the house on the homestead could not be separated from the homestead, of course, it could not be mortgaged. Excuse me, is it true that rural houses can't be mortgaged? Readers in Jing Yu, Jing Yu: Mortgage refers to the legal act that the debtor or the third party does not transfer the possession of the property and takes the property as the creditor's guarantee. When the debtor fails to perform the debt, the creditor has the right to discount or auction or sell the property in accordance with the law. China's "Guarantee Law" stipulates that all houses and other fixed objects on the ground owned by the mortgagor can be mortgaged. It can be seen that it should be effective for farmers to mortgage the houses on the homestead. However, the law also stipulates that collectively owned land use rights such as cultivated land and homestead may not be mortgaged. According to this regulation, although the house mortgage on the homestead is effective, the effectiveness of the mortgage can not reach the right to use the homestead within the scope of house occupation. Once the debtor can't pay off the due debts, the creditor can only use the building materials of the mortgaged house as movable property to get priority compensation, which will undoubtedly greatly reduce the value of the house. In addition, the Opinions of the Ministry of Land and Resources on Strengthening the Management of Rural Homestead also stipulates that it is strictly forbidden for urban residents to buy homesteads in rural areas, and it is strictly forbidden to issue land use certificates for houses purchased by urban residents in rural areas. Based on the above-mentioned actual situation and relevant laws and regulations, financial institutions are generally unwilling to accept borrowers' mortgage on rural houses. Therefore, I suggest that you provide other forms of guarantee to the bank. Under normal circumstances, don't use the house on the homestead as collateral. (Dong) According to
Can rural homestead be loaned?
Loan conditions of mortgage loan:
Have a 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;
Being able to provide effective guarantee recognized by the loan bank;
Other conditions stipulated by the lending bank.
Can a house built on its own homestead be mortgaged?
Don't talk like a house. People who understand don't talk in secret. Who doesn't know that rural houses and homesteads are integrated? Maybe it's not worth much for financial institutions to use broken bricks and tiles as collateral. People don't lend it to them. Let the house in use be mortgaged. In the final analysis, it is still a mortgaged homestead. The law clearly stipulates that homestead is not property and cannot be mortgaged. If they do this, they will be making illegal loans. Bank staff will know that they are not afraid to ruin their future.
Can rural homestead be loaned?
If you go to the bank, you can't. Banks do not recognize rural homestead certificates, but now small loan companies or private lending have gradually expanded this business. If you don't understand anything, you can continue to consult me.
Can rural homestead be mortgaged? What conditions do applicants need to meet?
First, the rural homestead mortgage loan application conditions
At present, not all provinces and cities can apply for rural homestead mortgage loans. According to reports, at present, it can only be used in some pilot areas like Jixian County in Tianjin. If the collective land in the pilot area is converted into state-owned land and the rural land use right certificate is obtained, it can be actively listed and traded. If it meets the relevant policies on rural homestead mortgage issued by institutions at or above the county level, it can apply for mortgage loans, which have legal effect.
It should be noted that not all villagers can apply for rural homestead mortgage loans. Then, what conditions do lenders need to apply for rural homestead mortgage loans?
II. Requirements for Lenders to Apply for Rural Homestead Mortgage Loan
1, a legal citizen of China, with a fixed residence or permanent residence in the local town and full capacity for civil conduct;
2. Have a legal job and a stable source of income, and have the ability to repay on time;
3, no illegal behavior, good personal credit record;
3. Being able to provide a bank-approved certificate of ownership of rural homestead mortgage or a third-party guarantee with compensatory ability;
4. Open a personal settlement account with the loan bank, and agree that the bank will deduct the loan principal and interest from the designated personal settlement account;
5. Meet other conditions stipulated by the bank.
Can rural homestead apply for a loan now?
Borrowers applying for loans with farmers' housing ownership and homestead use right as collateral shall meet the following conditions:
Having full capacity for civil conduct;
Have a good credit record;
The ownership of the mortgaged house and the right to use the homestead are uncontroversial, and the ownership certificate issued by the relevant departments is not included in the scope of land acquisition;
Have a fixed residence;
Written consent issued by the collective economic organization;
To mortgage farmers' houses with * *, the written consent of * * is required.
Note: Mortgage loan of farmers' housing property rights refers to the loan issued by the bank to qualified farmers' housing owners with the mortgage of farmers' housing ownership and homestead use right without changing the nature of homestead ownership, and the principal and interest are repaid within the agreed time limit.
Can rural homestead be mortgaged?
At present, about 100 counties in China are trying out rural homestead mortgage loans. I wonder if this package includes yours.
Can rural housing base certificate be loaned? 10 point
According to the current property law, rural residential foundations are not mortgaged, so banks do not give loans. Consider some loan companies to try ~