The premise of rural housing loan is that your house must have a real estate license and be evaluated. Look at this: in the past, rural houses could not be mortgaged, mainly because rural houses only had collective land use warrants and no house ownership certificates, that is, rural houses lacked a registration and confirmation system and their property rights were unclear. Therefore, when farmers apply for mortgage loans for rural houses, the rural houses need to be approved by the village committee, which is the land ownership unit where the houses are located. Moreover, the mortgagor must have the right to dispose of the mortgaged property. If * * * has property as collateral, it must obtain the consent of * * *. First of all, the mortgaged house must be registered with the ownership of the house and obtain the ownership certificate issued by the real estate registration authority. The "Interim Measures" stipulates that in order to register housing ownership, the applicant needs to submit an application for housing ownership, a valid identity document, a collective land use certificate, a statement on housing project quality, and a mapping report on the registered housing construction area to the housing management department. Secondly, for housing mortgage registration, the applicant should submit an application for mortgage registration to the housing management department, as well as the identity cards, loan and mortgage contracts, collective land use certificates and housing ownership certificates of the mortgagor and mortgagee. If the ownership is disputed or the collective land use certificate or house ownership certificate has not been obtained, no mortgage may be set. The loan collateral is appraised by a professional appraisal agency, and the loan amount is generally 60% of the collateral value. Therefore, you must meet the conditions before you can get a loan. I hope it helps you, and I wish you a happy life.