Property with outstanding loans.
Because the property mortgaged by consumer loans must be unsecured, if it is mortgaged or the property is in a mortgaged state, the bank already has other rights to the property, and it is not allowed for the bank to mortgage the property again. Re-lending without paying off the loan is called re-lending with the same name, and now the central bank has explicitly banned this operation.
Small property right house without real estate license
For the real estate with small property rights, if the residents have not obtained the real estate license, they will only have the right to use the real estate. Without ownership, they cannot dispose of the real estate. This kind of real estate can't be listed and traded, can't be mortgaged to the Construction Committee, and can't apply for mortgage consumer loans.
Second-hand houses that are too old and too small.
Most banks have strict regulations on mortgaged properties. Second-hand houses that are too old and too small often do not have mortgage qualifications. On the whole, banks will think that it is difficult to realize the real estate with an area of ≤50 square meters and a room age of ≥20 years, and it is difficult to make mortgage loans. Of course, if the property is located in the main functional area of the city, some properties can apply for loans separately.
Affordable housing for less than 5 years.
Relocation housing is the management of affordable housing, or pure affordable housing. According to the current national policy, it is forbidden to go public and trade for less than five years, and banks can't obtain other rights certificates, so they can't handle mortgage consumption.
Partially purchased public houses
There are two situations in which purchased public houses cannot mortgage consumer loans. One is the purchased public houses that cannot provide the purchase contract or purchase agreement. 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. The other is the delivery room, which cannot provide the listing certificate of the delivery room, because such real estate cannot be listed and traded, and the bank cannot obtain other rights, that is, the bank has no mortgage, so it cannot operate this business.
(The above answers were published on 2017-01-10. Please refer to the actual situation for the current purchase policy. )
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