Rural houses can be mortgaged, but they must have property rights and disposal rights.
 If the common property is used as collateral for mortgage loans, the consent of the joint owners must be obtained.
 Conditions of the mortgaged property in China: the property right of the property should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for circulation without any other mortgage.
 The mortgaged house is not included in the local urban reconstruction and demolition plan, and has the house property certificate and land certificate issued by the real estate department and the land management department.
 Legal basis:
 Article 395 of the Civil Code? The following property that the debtor or a third party has the right to dispose of may be mortgaged:
 （1） Buildings and other land attachments;
 （2） Construction land use right;
 （3） Sea area use right;
 （4） Production equipment, raw materials, semi-finished products and products;
 （5） Buildings, ships and aircraft under construction;
 （6） Means of transportation;
 （7） Other properties not prohibited by laws and administrative regulations from being mortgaged.
 The mortgagor may mortgage the properties listed in the preceding paragraph at the same time.