Rural land can be mortgaged. As long as the house has the relevant land use certificate, you can borrow money. After the loan, the land cannot be transferred at will. If it is necessary to transfer, it is necessary to recover the land in advance.

What conditions must I meet to apply for a land mortgage loan?

1, rural land management rights such as planting, facility agriculture and modern leisure agriculture, which have a certain production scale and sustainable production capacity and meet the mortgage conditions;

2, land contracting or transfer procedures are legal, code of conduct;

3. Obtain the land management right according to law, and obtain the rural land contractual management right certificate or rural land contractual circulation management right certificate according to law;

4, according to the law, shall not arbitrarily change the agricultural use of land;

5. The collective economic organization of the village where the mortgaged land is located and the outflow party agree to mortgage when the loan cannot be returned.

Legal basis: Article 399 of the Civil Code of People's Republic of China (PRC).

The following properties shall not be mortgaged:

(1) Land ownership;

(two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law;

(3) Educational facilities, medical and health facilities and other public welfare facilities of non-profit legal persons established for the purpose of public welfare, such as schools, kindergartens and medical institutions;

(4) Property whose ownership and use right are unknown or controversial;

(5) Property that has been sealed up, detained or supervised according to law;

(6) Other properties that may not be mortgaged according to laws and administrative regulations.