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问:我是一个农民,近几年在家中从事蘑菇种植,最近我想再建1个种植大棚扩大种植规模,就找到当地银行贷款。银行要我提供担保,我提出用我的房屋作抵押,可银行说法律规定农村宅基地不得抵押,宅基地上的房屋与宅基地不能分离,也不能抵押。请问,农村的房屋真的不能用作抵押贷款吗?答:我国担保法规定,抵押人的房屋和其他地上定着物,可以抵押。可见,农民以其宅基地上的房屋抵押应当是有效的。但该法还规定,耕地、宅基
Q: I am a farmer and have been engaged in mushroom cultivation at home in recent years. Recently, I would like to build a greenhouses to expand the planting scale and find a local bank loan. The bank asked me to provide a guarantee. I proposed to use my house as a mortgage, but the bank said that the law stipulates that rural house sites can not be mortgaged, and houses and homesteads on housing sites can not be separated or mortgaged. Excuse me, can rural real estate be used as a mortgage loan? A: According to the guarantee law of our country, the mortgagor’s house and other fixed objects on the ground can be mortgaged. It can be seen that the mortgage of houses by farmers on their homesteads should be effective. But the law also stipulates that arable land, homestead