There are unsecured loans and secured loans. Unsecured loans require two people to be your guarantor. These two people must have a fixed income, such as: national civil servants, teachers, doctors, etc. You need to have monthly income status, stamped by the unit, but you also need someone to be willing to give you a guarantee, because if you don’t repay the loan, it will be deducted from them. The mortgage is the real estate, but the land use certificate must be state-owned and collective. The certificate of use can no longer apply for loans. Since your parents have agricultural registered permanent residence, it should be easy to get a loan, and the loan amount is not large. You can go to the Agricultural Bank of China and the Rural Credit Cooperative to ask.