Legally speaking, you have the right to use the house in rural areas, and the ownership of the land belongs to the collective. In fact, a house without ownership cannot be mortgaged. The reason you can borrow money may be because of your bank. The bank may only evaluate your property as a kind of credit information, rather than a real mortgage. Generally, the village can only prove that you are the owner of the house, so it is difficult for him to prove to you that you are the owner of this land. Why don't you talk to the bank about the actual situation and whether you can get a residence certificate or something? It's really no good. You can talk it over with the village again. I suggest you communicate well. In fact, it doesn't matter if the village gives you a certificate, and it won't affect the ownership of the land because of this. This is a matter for Tuguansuo, mainly because he is willing to do it for you. After all, you are not from their village, and there are no cadres in the village.