According to the laws of our country, the rural housing land use certificate can be used for loans, but the loan must have certain preconditions, that is, there must be a land use certificate and a real estate license. As long as the two certificates are complete, you can apply for loans.

Legal objectivity:

Article 395 of the Civil Code stipulates that the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.