How can I get a mortgage for my self-built house?

Not all self-built houses can be mortgaged for loans. To apply for a mortgage, the self-built house must meet the requirements that the housing built is limited to the urban areas of large and medium-sized cities or the urban areas of the established towns where the county (city) government is located, or the key towns identified by the provincial government, the land occupied by the house is acquired by way of grant, the borrower has paid the land grant in full and has obtained the state-owned land use certificate independently in the borrower’s personal name, the planned use of the land must be residential, and the time of the land grant does not exceed 2 years. To apply for mortgage loans. At the same time, the loan amount varies from region to region and can be determined after consulting with banks in each region.

When applying for a mortgage loan for a self-built house, you need to prepare all the required documents, including the land use certificate, the certificate of the village committee, the project budget, the receipts of the purchased materials, the property certificate, the title certificate and the land use certificate used for the mortgage, the ID card of the borrower and his wife, the marriage certificate, the appraisal report of the mortgage, the income certificate of both borrowers, the copy of the borrower’s bankbook, the ID card of the co-owner of the mortgage, the copy of the marriage certificate, etc. Copy of marriage certificate, etc. Once the relevant documents are prepared and meet the required conditions, you can apply for a mortgage loan at the borrowing institution with the relevant documents.