Can rural self-built houses be mortgaged?

Rural self-built houses can be mortgaged. If there is no real estate license, it can't be used for mortgage loan. If you have a real estate license, you can use it to mortgage a loan. In addition, whether a rural self-built house can be used as a mortgage depends on the service life of the house and the geographical conditions of the house, and the loan time depends on the bank.

Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage loans with real estate generally need to be evaluated first, and after evaluation, the loan can reach 70% to 80% of the evaluation price.

In the process of loan, we also need to pay attention to three aspects:

1. Determine a reasonable repayment method according to the stability and amount of your income.

2. The information provided should be true, which can also increase your credit.

3. Repay the loan on a monthly basis to avoid paying certain interest in case of delay.