How to handle the rural housing mortgage loan in Wenzhou?

With the development of rural economy, more and more farmers mortgage their farmhouses to obtain the funds needed for production and operation. Wenzhou rural housing mortgage is also popular in rural areas, so how to handle Wenzhou rural housing mortgage? Here is a brief introduction.

Wenzhou rural housing mortgage loan meets the following conditions:

1. The borrower shall provide the house ownership certificate and land use certificate;

2. The borrower has more than one domicile. If the mortgaged property is disposed of, the third party may provide the residence and make a written commitment;

3. The borrower's household registration must be in the county (city, district) where the land for rural housing mortgage is located;

4. The borrower must obtain the consent of the village committee and issue a letter of approval from the village committee.

The term of Wenzhou rural housing mortgage loan is generally less than two years, and the expected annualized interest rate of the loan is generally higher than that of state-owned land and real estate mortgage and lower than that of secured loan. After the signing of the loan contract, the borrower needs to hold the house ownership certificate, register the mortgage with the housing management registration department, deliver the collective land certificate and the house ownership certificate to the bank for safekeeping, and then issue the loan.