Mortgage loan for small property houses means that the borrower finds a formal loan company, mortgages the small property houses, carries out short-term loan turnover, and returns the principal at maturity. 1. Determine the loan object and scope. Loan targets: first, farmers who have no bad credit records in the local area and have certain operating income and loan willingness; Second, farmers who have obtained property ownership certificates with small property rights; Third, farmers who have paid land transfer fees and applied for collective land use warrants. Loan scope: During the pilot implementation period, the loan scope is limited to farmers in scenic spots and farmers in commercial and commercial houses around the county. 2. Review the ownership of loans and farmhouses. In the review of loan application, two preconditions are met: first, the written proof that the land use right agreed to be disposed of when the housing mortgage was realized by the ownership unit of rural housing; Second, farmers who apply for rural housing mortgage registration should still have their homes after the houses or their mortgaged properties are sold and disposed of. In the audit of farmers' ownership, the grass-roots business offices of ABC and local towns * * * will audit the authenticity of legal warrants such as real estate licenses and land use certificates submitted by farmers, and provide written proof of the audit. 3. Determine the loan method and credit issuance. For eligible farmers after examination, China Agricultural Bank will provide them with large mortgage loans. If the maximum loan amount is 300,000 yuan for one-time credit, the loan interest rate will be subject to a preferential interest rate of no more than 20% above the benchmark interest rate, which will be used for turnover within three years. Among them, most banks do not charge agency fees for bank provident funds. In addition, individual banks will charge a refinancing fee, ranging from 1 1,000 yuan per case in 500 yuan.