Collective land certificates are generally not allowed to be lent out. Collective land ownership and collective land use rights such as cultivated land, homestead, private plots and private hills do not belong to the holder's legally owned personal property, and mortgage rights shall not be set at will.

legal ground

Article 399 of the Civil Code

The following properties 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.