Legal analysis: First of all, second-hand houses with incomplete property rights certificates cannot be loaned, such as relocated houses, resettlement houses, public houses, enterprise houses and houses with small property rights. Secondly, banks that violate the property mortgage regulations (such as records that cannot be transferred, sealed up, old city reconstruction, small property houses, etc.). ) can't lend. There are also violations of bank regulations (for example, the age of the house exceeds the limit and the area does not meet the requirements. ), can't loan.

Legal basis: People's Republic of China (PRC) City Real Estate Management Law.

Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.

Article 62 When a real estate is mortgaged, it shall be registered with the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.