First, farmers with jobs.
In other words, although you are a farmer and have left the countryside, now you have a stable job, a family, a stable income and a good credit. In this case, applying for a loan to buy a house is no different from ordinary city citizens. As long as you provide your work certificate, bank account, income certificate and credit history, you can pay a down payment of 30%. If it is the first home loan, the interest rate is based on the benchmark interest rate.
The second category is that although they don't have jobs, they run small businesses.
In this case, I want to apply for a loan to buy a house, because I don't have a job and can't provide proof of income, but I run a small business, I can provide a business license, have a business, have good credit and have a stable repayment ability. It is relatively easy to apply for a loan to buy a house. Similarly, the down payment for the first suite is 30%, and the interest rate is subject to the benchmark interest rate.
The third category is out-and-out farmers.
In this case, if you want to apply for a loan to buy a house, in addition to the above proof of repayment ability, you need to prepare a guarantee certificate recognized by the lending institution before you can easily apply for a loan to buy a house. For the first home loan, the down payment is 30%, but if the qualification is really poor, the loan interest rate may rise.
To sum up, whether you can buy a house with a loan has nothing to do with whether you are a farmer or not. The important thing is whether you can provide proof and guarantee of repayment ability recognized by the lending institution, whether your credit record is good or not, and whether you can make a down payment.