1. You can apply for a mortgage loan to build a house on the homestead, but it must meet certain conditions. The mortgage loan of farmers' housing property rights refers to the loan issued by banking financial institutions to qualified farmers' housing owners with the mortgage of farmers' housing ownership and homestead use right without changing the nature of homestead ownership, and the principal and interest are repaid within the agreed time limit.

2. 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.

2. What are the conditions of mortgage loan?

1. Borrower 18 years old or older, and the last repayment period is not less than 65 years old;

2. Individuals have a stable job and address in the local area;

3. Provide proof of ownership of collateral, such as real estate license and vehicle driving license;

4. Personal credit information is good, and there is no bad credit record, especially credit card loans overdue or cashing.