Loans can be obtained from rural credit cooperatives and agricultural banks.

You can apply for mortgage loans from rural commercial banks, that is, rural credit cooperatives or agricultural banks. With the title certificate, you can effectively prove how much land farmers have and how long the contract period is, which is clearly displayed on the title certificate, so it is much more convenient for farmers to apply for loans with the title certificate, because this certificate can prove their assets.

In the past, rural land and houses were collective and could not be mortgaged. In the future, the land certificate in the hands of farmers' friends can go to the bank to finance loans like the real estate license in the city.

Extended data:

Because rural land and houses are collectively owned and have never been mortgaged, it is difficult for farmers to get loans. Now, the land ownership certificate can be used like the real estate certificate in the city. Anyone who wants to start a business and has financial difficulties can apply for a mortgage loan in the bank.

The object of mortgage loan for rural land management right is organizations or individuals engaged in agricultural production and operation. In other words, whether you are a farmer or not, you can get a loan as long as you have land in your hand. Specific requirements:

(1) In areas where land ownership is confirmed, there must be certificates such as rural land contractual management right or rural land contractual circulation management right certificate.

(2) If the land ownership is not completed, the land contracting or transfer procedures need to be legally standardized.

(3) The agricultural use of the land has not been changed.

(4) The collective economic organization of the village where the mortgaged land is located and the outflow party agree to mortgage when the loan cannot be returned.