Can I get a loan for a house in my hometown in the countryside?

The prerequisite for a rural house loan is that your house must have a real estate certificate and be appraised. Take a look at this: In the past, rural houses could not be mortgaged, mainly because rural houses only had collective land use rights certificates and no house ownership certificates. , that is, rural housing lacks registration and confirmation systems, and property rights are unclear. Therefore, when farmers apply for rural housing mortgage loans, rural houses must be approved by the village committee, the land ownership unit where the house is located, and the mortgagor must have property disposal rights over the mortgaged property. If private property is used as collateral, the mortgagor must obtain *** Someone’s consent. First of all, the mortgaged house must be registered for house ownership and obtain a house ownership certificate issued by the real estate registration authority. The "Interim Measures" stipulate that to register housing ownership, applicants need to submit a housing ownership application, a valid ID card, a collective land use right certificate, a housing project quality status sheet, a registered housing construction area surveying report and other documents to the housing management department. . Secondly, to handle house mortgage registration, the applicant should submit a mortgage registration application, the identity cards of the mortgagor and mortgagee, loan and mortgage contracts, collective land use certificates and house ownership certificates to the housing management department. If the ownership is in dispute or the collective land use right certificate and house ownership certificate have not been obtained, no mortgage shall be set up. Loan collateral is evaluated by a professional appraisal agency, and the loan amount is generally 60% of the value of the collateral. Therefore, you must meet the conditions before you can get a loan. I hope this helps you and wish you a happy life.