Can't migrant workers get mortgage loans from banks with real estate licenses? He said that the self-employed should have a business license or a household registration book for farmers. Can't he work with a land certificate? You can't use a house in the countryside as collateral, can you? Houses in rural areas cannot be bought, sold, transferred or mortgaged. If you are from the city, ask others for help. Just find a unit and ask them to give you an income certificate. If you don't have a regular job, you will have to start your own business. Because you have a small loan, there is no need to go to so much trouble. Find someone to write a certificate.