Legal analysis: collective construction land can generally be used for mortgage loans. Collective construction land belongs to farmers' collectives except the state according to law, so it can only be mortgaged with the collective consent. When the land use right is mortgaged, the registration formalities shall be handled.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 398 The right to use the construction land of township enterprises shall not be mortgaged separately. Where buildings such as factories of township enterprises are mortgaged, the right to use the construction land occupied by them shall be mortgaged together.

Article 399 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 welfare facilities of non-profit legal persons established for the purpose of public welfare, such as schools, kindergartens and medical institutions;

(4) Property whose ownership and use right are unknown or controversial;

(5) Property that has been sealed up, detained or supervised according to law;

(6) Other properties that may not be mortgaged according to laws and administrative regulations.