It is best to borrow money from the county bank for a house in the county, because if the city bank accepts your loan, it is very troublesome to go to your place to investigate and apply for a mortgage loan, and they generally won't do it.

General real estate mortgage requires two certificates of real estate license, and real estate is mortgaged and needs land certificate. Isn't your friend in the county seat? It is suggested to ask the rural credit cooperatives. Generally, the grassroots are relatively loose, because they are all farmers and have less mortgages. Our basic credit cooperatives here are all mortgaged with bare real estate licenses. Rural land is collective land and cannot be mortgaged. Let's have a try.