Legal analysis: rural homestead cannot be mortgaged. Homestead is the land occupied by family households as living bases. Because houses in most cities are built by real estate developers, ordinary families do not involve the concept of homestead. The current homestead mainly refers to the rural homestead. Including built houses, built houses or decided land for building houses, built houses, built houses without roofs or uninhabitable land, and planned land for building houses. The ownership of rural homestead belongs to the collective members of rural farmers.

Legal basis: Article 399 of the Civil Code of People's Republic of China (PRC): (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.