Rural credit cooperatives resettlement housing loan conditions

First, the rural credit cooperatives resettlement housing loan conditions

1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay. 2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender. 3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Two, xx rural credit cooperatives resettlement housing loans management approach

It mainly includes the following contents: the loan object should be a natural person with full civil capacity and meet the conditions of resettlement housing. Article 5 A borrower must meet the following conditions: _ 1. Have a fixed residence in Wangmo County and the ability to repay the principal and interest of the loan, and sell the house according to the LAM Raymond Zhen' an housing contract; Four, excluding the county government financial subsidies, the borrower shall bear the rest of the purchase price of 20.

3. Can I apply for a decoration loan if the property right certificate of resettlement house hasn't come down yet?

The housing ownership certificate of the resettlement house has not yet come down, which does not mean that the decoration loan cannot be handled, and it needs to be judged according to different situations.

If the real estate license of the resettlement house is being processed, but the owner has obtained the filing certificate, then he can apply for a decoration loan by providing the filing certificate and other materials. Filing certificate is a temporary policy issued by the government to solve mortgage and mortgage problems. It can prove to some extent that the owner has the right to use and control the resettlement house.

However, if the real estate license of the resettlement house is not filed and the developer has not issued any real estate license information to the owner, then it is impossible to apply for a decoration loan with such documents. In this case, you need to wait for the real estate license of the resettlement house to be issued, and then go through the relevant loan procedures after getting the real estate license.

In short, the specific operation process and feasible suggestions should be consulted with the relevant staff of the local bank. By understanding local policies and regulations, we can fully grasp the process and requirements of applying for decoration loans, better grasp the application opportunity of decoration loans, and avoid wasting time and energy.

Can I get a loan to buy a resettlement house? What are the requirements?

In the case of personal loans, we accept commercial houses and commercial houses with clear property rights and strong liquidity as collateral, and must meet the following conditions:

1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;

2. Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;

4, with strong liquidity, the real estate structure is intact, water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services are complete, there are no problems and problems, which are not within the scope of government planning;

5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 30 years in principle;

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.

Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan.