基本概念在云南省农村信用社服务辖区内,有完全民事行为能力的自然人,以其依法拥有的农村房屋抵押向云南省农村信用社借款的行为。抵押物的规定用于抵押的农村房屋必须具备《房屋所有权证》和《集体土地使用证》或《宅基地使用证》,且房屋状况良好,无权属纠纷。抵押物评估可采用云南省农村信用社与借款人双方协议评估或委托具备房地产评估资质的中介机构进行评估两种方式,抵押率原则上不超过50%。农村房屋抵押的登记部门 Basic concept In the service area of ​​Yunnan Rural Credit Cooperatives, natural persons with full civil capacity, with its lawful possession of rural housing loans to Yunnan Rural Credit Cooperatives behavior. Mortgage provisions Rural housing for mortgage must have a “house ownership certificate” and “collective land use permit” or “house use permit”, and the house in good condition, no right to dispute. The assessment of the collateral may be conducted by two ways by the rural credit cooperatives of Yunnan Province and the borrower either by agreement or by entrusting an intermediary agency with real estate appraisal qualification, and the mortgage rate shall not exceed 50% in principle. Rural housing mortgage registration department