The following houses shall not be mortgaged:

1. Small property right house

Small property houses only have the right to use, and there is no ownership given by the real estate license. Banks naturally do not accept mortgage loans.

2. 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. Generally, many banks refuse to lend second-hand houses with a house age of more than 20 years and a building area of less than 50 square meters.

3. Public housing

According to relevant regulations, schools, kindergartens, hospitals and other public facilities, whether belonging to institutions, social organizations or individuals, are not allowed to mortgage.

4. Houses with outstanding loans

Can a house that has been mortgaged once be mortgaged again? At the time of the first mortgage, the bank already had other rights to the property. The law does not allow two banks to obtain other rights of the same house. So the answer is no.

5. Houses within the scope of demolition

Real estate that has been announced in accordance with the law and included in the scope of demolition shall not be mortgaged.

6. Some hotels

If you can't provide the purchase contract or purchase agreement, or you can't provide the listing certificate of the center delivery room, you can't make a mortgage loan.

7. Heritage-protected buildings

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

8. Illegal construction

Illegal buildings or temporary buildings cannot be used for mortgage.

9. Houses with disputed ownership

Houses with disputed ownership and houses sealed up, detained, supervised or otherwise restricted according to law shall not be mortgaged.

10. Affordable housing with less than 5 years.

If it is less than five years, it is not allowed to go public, and the bank can't get his right certificate and can't apply for a mortgage loan.

Real estate mortgage loan conditions:

1. The mortgage loan requires the house to be within 20 years;

2. The housing area should be more than 50 square meters;

3. The house should have strong mobility.

4. The mortgage loan amount is 70% of the appraised value of the house.

5. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years.

6. The loan interest rate shall be subject to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China.

7. Generally, "house age+borrower age" means that men are under 65 years old and women are under 60 years old.