Rural houses with real estate license and land use certificate can be mortgaged.

1. Self-built houses in rural areas can generally be mortgaged if the procedures are complete. The most important procedure referred to here is the property right certificate of the house. At present, there are some self-built houses in rural areas in China, with only land use certificates and no housing property certificates. It is impossible to apply for a loan in this situation. 2. Whether rural self-built houses can be mortgaged depends on the actual situation. Such as the service life of the house, the geographical location of the new house, the realized value, etc. If the house is old or in a bad location, and the realized value is low, even if the procedures are complete, it cannot be used as a mortgage to obtain a loan. Bank mortgage loan. Personal housing loan 1. Personal housing commercial loan is a self-operated loan issued by bank credit funds. It refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank when he buys a self-occupied house in a town of this city, with the property house he bought as a guarantee to repay the loan. 2. Personal housing provident fund loan Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns in this city, with their own property houses as collateral to repay the loans. 3. Personal housing portfolio loan A borrower who meets the requirements for personal housing commercial loans can apply for personal housing provident fund loans from the bank while paying the housing provident fund, that is, the borrower can apply for personal housing provident fund loans and personal housing commercial loans from the bank with the purchased urban self-occupied housing as collateral. Second, the credit union took the mortgage-free rural homestead property certificate as collateral. Now that the lender doesn't repay the loan, is the responsibility entirely on the guarantor?

There is no need for the bank to mortgage the homestead, you need to bear joint and several liability within your guarantee share. If so, what you guarantee is the rest of the law except the share.

3. Can rural credit cooperatives use land certificate loans?

The collective land use certificate cannot be directly mortgaged.

After the house is built, you can mortgage the property.

4. Can the land ownership certificate be mortgaged?

With the certificate of rural land ownership, you can apply for mortgage loans from rural commercial banks (credit cooperatives) and agricultural banks.