Can I get a loan from the bank if I have a self-built house in the new town of Youxian County, Zhuzhou, Hunan Province?

Generally, self-built houses cannot be loaned in banks. Self-built houses are not easy to circulate in the market, and generally banks do not handle them. The conditions for meeting the loan housing are as follows:

A natural person aged 18-65;

Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

There is no illegal act;

Good credit information and bad credit record;

Being able to provide effective pledge guarantee of rights recognized by the bank or a legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

The property right of the house is clear and meets the conditions for listing and trading stipulated by the state;

Real estate can enter the real estate market without any other mortgage;

The sum of the house age and the loan application period cannot exceed 40 years;

The mortgaged house is not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by the real estate department and land management department;

Other conditions stipulated by the bank.

Preparation data of real estate mortgage loan:

Original and photocopy of the ID cards of the borrower and spouse;

The original and photocopy of the household registration book of the borrower's husband and wife;

Proof of marital status;

Original purchase agreement;

Original and photocopy of advance payment receipt for 30% or more of the house price;

Proof of income;

Bank flowing water;

Certificate of academic qualifications;

Bank deposit certificate;

Other financial proof;