Homestead certificate can't be loaned. The homestead belongs to the village collective economic organization, and individuals only enjoy the right to use the homestead and the right to income. The mortgage of the homestead certificate is not authorized to dispose of the loan, and the mortgage that cannot go through the mortgage registration formalities is invalid.

legal ground

Article 399 of the Civil Code

The following properties shall not be mortgaged:

(1) Land ownership;

(two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law;

(3) Educational facilities, medical and health facilities and other public welfare facilities of non-profit legal persons established for the purpose of public welfare, such as schools, kindergartens and medical institutions;

(4) Property whose ownership and use right are unknown or controversial;

(5) Property that has been sealed up, detained or supervised according to law;

(6) Other properties that may not be mortgaged according to laws and administrative regulations.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.