为解决客户信用贷款额度以外创业资金的抵押问题,商南联社从客户自有住房入手,在商南县政府的大力支持下,与国土局、住建局、房管所紧密配合,推出了农村房屋抵押贷款业务。农村房屋抵押贷款的难点就在于确权登记一环,为此,当地土管所和房管所逐户丈量宅基地,明确四址,确定权属,据实登记,核发集体土地使用证,保障了农民房屋的确权准确性;在办理房屋产权证过程中,商南县采取“住户申请、镇上核报、房管审批”的办证程序,为群众集中办理房屋产权 In order to solve the problem of the mortgage of venture capital other than the credit loan amount of customers, Shangnan Associated Press started with the customers own-owned houses and with the strong support of Shangnan County Government, closely cooperated with Land and Resources Bureau, Housing and Construction Bureau and Housing Administration to launch rural areas Housing mortgage loan business. The difficulty of rural housing mortgage loans lies in the real right to register a ring, therefore, the local land management and housing management house measured each house site, clear four sites, determine the ownership, according to the actual registration, the issuance of collective land use permits to protect farmers In the course of handling property ownership certificates, Shangnan County adopted the procedures of accreditation for “application of tenants, verification of the town on the streets and examination and approval of housing administrations”, so as to make the masses concentrate on handling property rights of houses