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These nine properties cannot be used for mortgage loans.
I believe everyone knows that using real estate as collateral can get a high loan amount and a low interest rate, but not all real estate can be accepted by banks. Now let's follow any wallet and see which properties can't be mortgaged.

1. Public welfare real estate: public welfare facilities such as schools and hospitals;

2. Small property houses: because there is no real estate license for such properties, banks will not accept them;

3. Illegal buildings and temporary buildings;

4. Buildings under cultural relics protection: Buildings listed as cultural relics protection cannot be used as collateral;

5 disputed property, disputed property and property sealed up or detained according to law;

6. Property included in the scope of demolition.

7. Mortgaged house: The property has been mortgaged once. According to relevant regulations, two banks cannot obtain other rights of the same property at the same time;

8. Second-hand housing with an old house: the property with an old house has poor liquidity, and banks will not accept it as collateral for loans in order to control credit risk;

9. Affordable housing with less than five years: According to regulations, affordable housing with less than five years is not allowed to be listed and traded, so banks cannot obtain other rights certificates;

(The above answers were published on 20 17-06-27. Please refer to the actual situation for the current purchase policy. )

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