1. Small property houses without real estate license: For small property houses, if they have not obtained real estate license, they only have the right to use the house without ownership, so such houses cannot be listed and traded, nor can they be mortgaged to the Construction Committee, let alone applied for mortgage consumer loans.

2.5 years of affordable housing: relocated houses are managed as affordable housing, or purely affordable housing. Those less than 5 years old are not allowed to be listed and traded, so they cannot be mortgaged.

3. The purchased public houses: the center that can't provide the purchase contract or agreement and the listing certificate of the center can't apply for mortgage loan. Because if there is a clause in the purchase contract that the original unit has the preemptive right, the bank can't obtain other rights, so the bank can't operate the mortgage consumer loan of this house. The central delivery room that can't provide the listing certificate of the central delivery room can't be listed and traded, and can't run business.

4. The house with outstanding loan: If it is a mortgaged house or the house is in a mortgaged state, the bank already owns other rights of the house, and the borrower mortgages the house again, the bank is not allowed. Because two banks can't own other rights of a house at the same time, borrowers can't apply for loans from banks with mortgage consumption. A house mortgaged with a consumer loan must be a house without any mortgage or loan.

I have talked about this problem with a person who cooperates with a residential property to find a house before. If you want to know more clearly, you can go to the property to learn more.