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Can Nanjing Jiangning build its own house to pay for the loan?
Of course.

Rural self-built houses can be mortgaged, but only part of them are self-built houses, and loans can be made only if they meet the relevant regulations. Rural housing loans are loans to individual industrial and commercial households and natural persons with full civil capacity in the county to build houses.

Rural housing loans are loans to individual industrial and commercial households and natural persons with full civil capacity in the county to build houses.