First, rural self-built houses are mostly collective property rights, and few people have state-owned land certificates and real estate licenses. It is entirely possible for you to spend thousands of dollars on these two certificates. Without two certificates, banks are not allowed to apply for mortgage loans. Even with these two certificates, your house is in a poor position and difficult to realize, and the bank has reason not to accept it.
Second, you have to apply for two certificates and spend a sum of money to buy resettlement houses, but in fact, resettlement houses are often not commercial lots, the mortgage value is not high, your loan amount is not high, and banks are too lazy to accept them.
With an annual salary of 50,000, you can go to a credit union or find a guarantor to guarantee the loan. The grassroots outlets of credit cooperatives have great power, and 50,000 yuan need not be reported at different levels. The leader can get the money on the same day (this is our side). Have a stable job and income, and you can borrow money without mortgage at all.