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Second, can land be mortgaged to bank loans?

Legal analysis: land cannot be mortgaged. Land belongs to the state, not to the private property of individuals. No one has the right to buy, sell or mortgage, otherwise they need to bear relevant legal responsibilities. If you want to apply for a mortgage loan, you can use a house with big property rights as a mortgage. Individuals without big property rights can consider personal credit loans. Legal basis: Article 47 of People's Republic of China (PRC) Urban Real Estate Management Law refers to the act that the mortgagor provides the mortgagee with debt performance guarantee with his legal real estate without transferring possession. When the debtor fails to perform his debts, the mortgagee has the right to be paid in priority with the proceeds from auction of mortgaged real estate according to law. Forty-eighth legally acquired housing ownership and land use rights within the scope of occupation can be mortgaged. The land use right obtained by means of transfer can be mortgaged.

Third, can the homestead be mortgaged in the bank?

Legal analysis: rural homestead belongs to the property of the state and cannot be used for mortgage loan, so even if you go to the bank to submit an application, the staff present will not help you with it, so rural homestead cannot be loaned.

Legal basis: Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of the borrower, implement the guarantee and ensure the timely recovery of the loan.

Commercial banks revoke the legal protection of borrowers according to law.