1, show valid identity documents and proof of residence address;

2. Provide professional certificates and income certificates of myself and family members;

3. Submit the certificate of homestead use right;

4. Prepare other necessary materials stipulated by the bank;

5. Fill in a written application to the bank and hand in all materials;

6. Waiting for bank evaluation and audit;

7. After approval, the loan will be issued.

The right and use of homestead;

1. Definition of homestead: Homestead refers to the land legally acquired by members of rural collective economic organizations for building houses and ancillary facilities;

2. The nature of the homestead: the homestead belongs to the collective, and farmers have the right to use it, but they have no land ownership;

3. Conditions for the use of homestead: users must be members of rural collective economic organizations and generally only used for residential purposes;

4. Inheritance and transfer of homestead: the right to use homestead can be inherited according to law, but the transfer is strictly restricted, and it is not allowed to buy, sell or rent it at will;

5. Mortgage of homestead: mortgage of the right to use homestead is not allowed by law, but buildings such as houses can be mortgaged if they meet the requirements.

To sum up, the rural homestead mortgage loan requires the borrower to show proof of identity, residential address, occupation and income, submit proof of the right to use and other materials required by the bank, fill in the application form and wait for the bank's evaluation and audit, and then obtain the loan.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 399

The following properties may 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.