农村没有房产证的房屋能否抵押-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	农村没有房产证的房屋能否抵押
释义	一般情况下农村住房无法抵押。主要原因是农村住房只有集体土地使用权证，无房屋所有权证，即农村住房缺乏登记、确认制度，产权不明晰。因此，农民办理农村住房抵押贷款，农村房屋需经房屋坐落土地所有权单位即村委会同意，而且，抵押人必须对抵押物拥有财产处置权，以共有财产作为抵押物的，要取得共有人的同意。法律依据《民法典》第三百九十五条、第四百零二条
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