(1) Two or more housing loans have not been settled;

(2) qualifications (false information, false income quota, false salary, etc.). );

(3) Fraudulent loan: including but not limited to the relationship between the buyer and the seller as relatives or friends, and the relationship between the buyer and the seller as creditor's rights and debts, it will be considered as fraudulent loan. There is a close relationship between the buyer and the seller. For example, the accounts of both buyers and sellers are Zhen 'an Street, Zhenjiang District, Dandong City, Liaoning Province, and the bank will assume that both buyers and sellers are suspected of fraudulent loans;

(4) Bad credit (overdue credit card: 3 times in one year, a total of 6 times; Credit card suspension or bad debts)

(5) The building has been built for too long.

Second, which houses do not meet the conditions of commercial loans?

1, small property right house

Small property houses, also known as "village houses", are properties built on farmers' collective land, with only the right to use, but no ownership granted by real estate licenses. Therefore, banks that buy small property houses do not accept mortgage loans.

2. Houses with outstanding loans

When the house is mortgaged, the bank already owns the other warrants of the house. The house will not be free until the loan is paid off. Therefore, houses with outstanding loans can no longer apply for bank loans.

3. Second-hand houses that are too old and too small.

The bank's conditions for second-hand housing mortgage loans are harsh, mostly limited to the age and area of the house. At present, most banks only provide housing loans within 25 years, and some banks require housing loans within 20 years. Therefore, if you buy a second-hand house with an older house and a smaller area, applying for a loan will usually be rejected by the bank.

4. Some hotels

Some can't provide the purchase contract or purchase agreement, or can't provide the listing certificate of the delivery center, so they can't provide mortgage loans.

5, cultural relics protection building

Buildings listed in cultural relics protection and other buildings with important commemorative significance shall not be mortgaged.

6. Illegal construction

Illegal buildings or temporary buildings cannot be used for mortgage. In addition, many neglected open communities and illegal banks built by the owners themselves are not included in the valuation. This situation is mostly reflected in the first floor or the top floor. When the owner sells the property again, the price is usually higher, but when the loan is actually made, the evaluation price of the bank is lower, so the down payment will increase, which requires special attention.

7. Houses with disputed ownership

Houses with disputed ownership and houses that have been sealed up, detained, supervised or restricted in other forms according to law cannot apply for bank loans.

8. Houses within the scope of demolition

Real estate banks that have been legally announced to be included in the scope of demolition will not lend.

9. Public housing

According to relevant regulations, public welfare facilities such as kindergartens and hospitals, whether belonging to institutions, social organizations or individuals, are not allowed to make mortgage loans.