Can I get a loan to build a house in Shenzhen?

Self-built houses have no real estate license. Can I get a loan?

You can borrow money.

Self-built houses (farmhouses) generally refer to houses and buildings that units and individuals own their own land, organize themselves and rent others for construction. Self-built houses are the mainstream of traditional architecture in China, especially in rural areas of China. Almost all rural residents meet their living needs by building their own houses.

In addition, before the introduction of China's commercial housing policy, many units also raised funds to build their own houses to solve the housing needs of enterprise employees. With the gradual development of domestic economic level and the continuous improvement of farmers' income level, the construction level of self-built houses is getting higher and higher, and the types are becoming more and more abundant, especially in Jiangsu and Zhejiang provinces.

You can take out a mortgage. The process is as follows:

When the owner and spouse apply for a loan from the bank, the seller and spouse should be present to confirm.

The bank investigates and approves the loan application.

The owner signs a loan and guarantee contract with the bank.

The homeowner and the bank handle the mortgage registration of the house property.

The bank lends money to the owner's account.

Pay back on a monthly basis.

Can I mortgage my own house?

Self-built houses can be mortgaged or built by themselves. As the name implies, loan products developed for houses built by individuals rather than commercial houses refer to loans issued by lenders to individuals for the funds needed to build individual houses or commercial houses. The borrower only needs to ensure that the loan can be repaid immediately. Self-built houses can generally be mortgaged if the procedures are complete.

First, at present, some rural self-built houses in China only have land use certificates and no property certificates, so they cannot apply for loans. Whether the self-built house can be mortgaged is related to whether the self-built house has the mortgage conditions. If a house is to be mortgaged, then the applicant must have the ownership of the house, that is, he can provide the property certificate of the house. A house without a title certificate cannot be mortgaged. Therefore, if the procedures are complete, you can apply for a mortgage loan from a self-built house that provides housing property certificate, land use certificate and other relevant documents when applying. However, if the applicant only has the right to live in a self-built house and has not obtained relevant certificates such as the property right certificate, he cannot apply for a mortgage loan.

Second, the mortgage loan conditions for self-built houses

1. The lender has full capacity for civil conduct and legal and valid status;

2. The lender has the ability to repay the loan principal and interest;

3. The housing built is limited to the urban areas of large and medium-sized cities or the towns where the county (city) government is located, or the key towns recognized by the provincial government. The land occupied by the building is acquired by transfer, and the borrower has paid the land transfer fee in full, and independently obtained the state-owned land use certificate in the name of the borrower. The planned land must be residential, and the land transfer time shall not exceed 2 years;

4. The lender's credit status is good, and there is no record of loan overdue for more than 90 days (if there is such record, the original proof that all loans have been settled must be provided). When applying for a loan, there is no overdue loan principal and interest;

5. In the name of the lender, independently obtain all legal documents and approvals for building houses stipulated by the government, and the image progress of the construction in progress at the time of loan issuance has been completed at the next higher level;

6. The borrower has paid more than 30% of the down payment (the land transfer fee can be regarded as an integral part of the down payment);

7. Agree to mortgage the built house or provide other guarantee methods recognized by the handling bank;

8. Other conditions stipulated by the bank.

Can I borrow money from my own house?

Rural self-built houses can apply for loans, as long as the lender is an adult with full civil capacity, has the ability to repay loans, and has no record of dishonesty, and the mortgaged property used for loans belongs to the property that can be used for mortgage according to law.

legal ground

Article 395 of the Civil Code

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Can I apply for a loan to build a house on my homestead?

Self-built houses can apply for loans, but the loans for rural self-built houses are mainly housing loans. If you want to apply for a bank mortgage loan, you must have a real estate license, and the bank will also inspect the value of the house according to its service life and geographical location.

Self-built housing loan conditions

(a) to apply for housing loans, the housing needs to be approved by the local township construction department, which belongs to the needs of residential land and conforms to the local development plan.

(two) rural housing loan applicants also need to provide approval documents or certification materials from the local township construction departments.

(three) the lender's credit record should have a good record, but also have a certain ability to repay the loan principal and interest on time.

(4) Lenders applying for building houses also need units or individuals with sufficient repayment ability as collateral, or they can use other assets as collateral.

(5) To apply for a housing loan, you should open a personal settlement account in a rural credit cooperative, and you should also voluntarily accept the credit supervision and settlement supervision of the bank.

Let's stop here for the introduction of self-built houses in Shenzhen.