Rural real estate warrants can be loaned and determined according to local policies. The property owner submits a written loan application to the bank with his ID card, household registration book, marriage certificate and immovable property certificate; Banks review the qualifications of borrowers and open accounts by signing loan contracts, guarantee contracts and entrusted deduction agreements; Go to the real estate management department at or above the county level for mortgage registration and use the loan.

Legal objectivity:

Article 395 of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.