Can you get a loan from your bank/credit union if you own land but are unemployed?but you have good credit?

Financial institutions aren't known for being very generous about loaning for land if there is nothing on it.

It's a simple question, why don't you just call them up and ask them?

Chances are, no.

Because of different laws in place, banks aren't always being nasty if they say no-- they are obeying the law that says that they can't put you in a worse situation than you could handle, and not having an income is a bad situation in which to put you in more debt!

Land is great as a security, but you can't eat it if you can't pay your debt.

Sorry, but that's a tough one that I'm afraid you can't get around too easily.

Never. Proof of employment or at least proof of a steady flow of income is necessary. Banks would most likely deny you unless you have a co-signer. The fact that you own land is only collateral that they could use if you can't make payments and become negligent since you have no job. Not having an income of some kind would most banks to think twice about giving you a sum of money.

You have to demonstrate that you have the income required to repay the loan.