70% of the house value. Official website, the inquiry bank, showed that Zijin County, Heyuan City has complete procedures for building houses by itself, and it can be mortgaged to the bank for loans. The most important procedure here is the property certificate of the house. Under normal circumstances, the loan amount guaranteed by rural self-built houses is about 70% of the house value. Self-built houses, also known as single-family houses, single-family houses and single-family houses, refer to houses and buildings that units and individuals own their own land, organize themselves and rent others for construction.