I can't. According to the inquiry of China Travel Service. Com, the ownership of the homestead belongs to the government and the village collective, and farmers only have the right to use the homestead, but have no ownership. Therefore, they can't use homestead as mortgage loan, but only land certificate and real estate license as mortgage loan. The loan amount is 70%-80% of the value of land consolidation and real estate license (standards vary from place to place), which is generally handled by rural commercial banks. Therefore, the Zhangjiawan homestead in Tongzhou, Beijing cannot be loaned.