Legal analysis: If you have a mortgage in your hometown and buy a house in another city, you can get a loan. Rural real estate license can also buy a house in the city. Because China's laws only stipulate that rural residents can only own one homestead, but can't own multiple properties, rural residents can buy a house in the city without affecting their legally acquired right to use the homestead. When handling the real estate license, both the buyer and the seller should go through the registration procedures for the sale and transfer of ownership at the real estate exchange within one month after the real estate transaction.

Legal basis: Article 62 of the Land Administration Law of the People's Republic of China. A rural villager can only own one homestead, and the area of the homestead shall not exceed the standards set by provinces, autonomous regions and municipalities directly under the central government. In areas where per capita land is small and it is impossible to guarantee one household and one house, the people's government at the county level can take measures to ensure that rural villagers live and live in accordance with the standards set by provinces, autonomous regions and municipalities directly under the central government on the basis of fully respecting the wishes of rural villagers. Rural villagers building houses shall conform to the overall planning of rural land use and village planning, and shall not occupy permanent basic farmland, and try to use the original homestead and village homestead.