Abstract: Mortgage loan for rural housing is an innovative form of rural micro-finance supply. Unmortgaged credit loan is still its basic core, and mortgage for rural housing is its external form. The reason why the policy of rural housing mortgage loan is still prudent is that homestead still exists as social security, and the flow of farmers does not change this nature. In actual operation, rural housing mortgage loan has little effect on rural financial demand and supply scale. The rural housing mortgage loan is embedded in the "unsecured" micro credit loan model, and the loan management model embedded in the rural social network is the key. In the context of rural revitalization, we should consider the overall interests of farmers and rural society, and pay attention to tapping the micro financial experience that has long supported rural economic development.