Legal analysis: 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, the loan can be processed.

Legal basis: Article 399 of the Civil Code of People's Republic of China (PRC). The following properties shall not be mortgaged:

(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.