In your case, it may be difficult to apply for a mortgage. The main reason is that your house and land are "collective" (divided by the nature of land) and cannot be traded normally through the market, so many banks will not accept this house as collateral.

Your husband and wife have provident fund, their income is stable, and they have their own houses (in line with the conditions of provident fund loans), but the mortgage can't be handled, and the provident fund loan is not easy to handle; But it is not completely impossible. Go find someone to do something! .

Suggestions: first, there is still a chance to find a way to get a provident fund loan; Second, you can apply for loans from local rural credit cooperatives, and there is still a chance to do so; Third, you can go to a large local bank to find out if there are any credit card renovations in stages. If so, the phased decoration business can also be solved.