Can rural homestead be mortgaged? The State Council issued "Guiding Opinions on Launching the Pilot Project of Rural Contracted Land Management Right and Mortgage Loan for Farmers' Housing Property Rights" (hereinafter referred to as "Opinions"). The Opinions put forward five new policies for the mortgage loan of rural residential land in the pilot project: 1, giving the mortgage financing function of "two rights", safeguarding, realizing and developing farmers' land rights and interests, implementing the mortgage financing function of "two rights" and revitalizing the property attribute of farmers' land usufructuary rights; 2. Promote the innovation of rural financial products and services, and increase innovation support in terms of loan interest rate, term, quota, guarantee and risk control; 3. Establish a collateral disposal mechanism, allow financial institutions to dispose of collateral in various ways according to law and improve collateral disposal measures under the premise of protecting farmers' contracting rights and basic housing rights; 4. Improve the supporting measures. Pilot areas should speed up the registration and certification of rural land contractual management rights, homestead use rights and farmers' housing ownership, establish and improve the rural land property rights trading platform, and establish and improve the rural credit system; 5, increase support and coordination, in terms of monetary policy, fiscal policy, regulatory policy, insurance protection, etc. , increase support and coordination.