1. Can farmers use rural collective land use certificate loans? Farmers cannot use rural collective land use certificate loans. The state clearly stipulates that individuals cannot buy, sell, transfer or mortgage collective land. Therefore, for banks, collective land certificates cannot be used as collateral and cannot be liquidated, so collective land certificates cannot be used for loans. So if you want to apply for a mortgage loan, you can use a property or car with clear title in your name as a mortgage. 2. Relevant legal basis According to the relevant provisions of the "Guarantee Law": Rural collective land cannot be used as mortgage. 1. Article 37 of the "Security Law" stipulates: The following properties cannot be used as mortgage: (1) Land ownership; (2) Collectively owned land use rights such as cultivated land, homesteads, private land, private hills, etc., but Article 30 of this Law Except for the provisions of Article 4 (5) and Article 36 Paragraph 3; 2. Under special circumstances, mortgage can be made: (1) Article 34 stipulates: The following properties can be mortgaged: (5) The mortgagor has contracted and obtained the mortgage in accordance with the law. The land use rights of barren mountains, barren ditches, barren hills, barren beaches and other barren lands that the contract-issuing party agrees to mortgage; (2) Article 36 stipulates: Paragraph 1: If a house on state-owned land acquired in accordance with the law is mortgaged, the area occupied by the house The state-owned land use rights within the project are also mortgaged. Paragraph 2: If the state-owned land use rights obtained by transfer are mortgaged, the houses on the state-owned land at the time of mortgage shall be mortgaged at the same time. Paragraph 3: The land use rights of township (town) and village enterprises shall not be mortgaged separately. If the factories and other buildings of township (town) or village enterprises are mortgaged, the land use rights within the scope of their occupation shall be mortgaged at the same time. 3. Special note: Our country is currently conducting pilot projects. In pilot areas, pilot projects for farmers' housing property mortgage loans are being carried out. If the local area is conducting pilot projects, this situation is also possible. 3. Materials required to apply for a rural collective land use certificate (1) Registration application; (2) Applicant’s statement; (3) Certificate of homestead use rights or certificate of use rights of collectively owned construction land; (4) Application for registration of a house that meets Proof of urban and rural planning; (5) House surveying and mapping report or villager housing plan; (6) Other necessary materials. (7) When applying for initial registration of villager housing ownership, proof that the applicant is a member of the rural collective economic organization where the house is located must also be submitted. Loans cannot be applied for with rural collective land use certificates. This is because the land resources belong to the state and not to individuals. Therefore, individuals do not have any rights to transfer, buy, sell, or mortgage state resources, so there is no loan. If the rules are violated, penalties will be imposed in accordance with the relevant legal provisions of the land law.