Legal analysis: rural self-built houses can be loaned. As long as the lender meets the relevant loan conditions, he can apply for a loan at the local rural credit cooperative. The lender must be at the age of 18 to 60, and must be a natural person with full capacity for civil conduct. The house built by the lender must meet the relevant standards of local self-built houses, and be approved by the relevant departments of the rural collective economic organizations and township governments, and at the same time conform to the local development plan.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.