Rural real estate license can be loaned. You can apply for a bank loan. Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. Legal basis: Article 399 of the Civil Law of People's Republic of China (PRC), the following property shall not be mortgaged: (1) Land ownership; (two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law; (3) Educational facilities, medical and health facilities and other public facilities of non-profit legal persons such as schools, kindergartens and medical institutions established for public welfare; (4) ownership.

Ii. 202 1 farmers' loan policy?

Farmers can apply for mortgage loans from banks with the land that has been confirmed, and generally apply for mortgage loans from rural commercial banks (formerly rural credit cooperatives) and agricultural banks.

Materials:

First, standardized and effective land contract, unified circulation by rural collective economic organizations, accompanied by farmers' entrustment transfer agreement;

The second is the information of attachments on the ground (including underground);

The third is the original and photocopy of the applicant's ID card (if the applicant is a legal person, a copy of the business license and official seal, and the original and photocopy of the legal representative or responsible person's ID card are also required).

Conditions for mortgage of land:

(1) Obtain the rural land contractual management right certificate according to law;

(2) written proof that the employer agrees to mortgage the rural land contractual management right;

(3) If the right to contracted management of land is mortgaged by subcontracting, leasing or other transfer methods, a transfer contract for the right to contracted management of rural land shall also be provided, and the original contractor shall issue a written certificate of consent to the mortgage;

(4) The remaining life of rural land contractual management right is not less than 5 years;

(5) Orchards, farms, agricultural planting bases with sustainable production capacity, modern leisure agriculture and other high-value rural land;

(6) The property right relationship of rural land contractual management right is clear, which conforms to the principle of "legality, voluntariness and compensation".

3. Can rural areas use real estate licenses for loans now?

Yes, consumer loans! Take it to the bank mortgage loan.

4. Can the real estate license of Hui 'an rural area in Quanzhou, Fujian be loaned in the bank?

Rural areas should not be allowed.