Yueqing rural self-built houses can be loaned. According to relevant public information: rural self-built houses can be loaned. Rural self-built houses can apply for housing mortgage loans as long as they have real estate licenses. You can't apply for a mortgage loan without a real estate license. Because some rural self-built houses do not have real estate licenses, some properties cannot apply for loans. Whether the user can apply for a loan depends on whether there is a real estate license.