As long as you have repayment ability, you can apply for a mortgage.

In practice, farmers apply for loans to buy houses, which are divided into the following categories:

The first category is 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 there is no job, I want to apply for a loan to buy a house. Because I don't have a job, I can't provide proof of income, but I can provide a business license, run a business, have good credit and have 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.