1, construction real estate development. For example, loans are used for real estate development, and general banks can support corporate loans, but personal loans are not within the scope of support;
2. Equity investment. For example, housing mortgage loans are used to invest in the capital of companies and other enterprises;
3 securities market investment, including the purchase of stocks, bonds, funds, futures and warrants;
4. Industries involving pornography, gambling and drugs;
5, the national government explicitly prohibits and restricts the development of industries and related industries production and supporting products;
6. Manufacturing products with serious environmental pollution, potential safety hazards and poor market sales;
7. It is also explicitly forbidden to use mortgage loans to buy houses again.
legal ground
Measures for the administration of urban real estate mortgage
Article 3 (1) The term "real estate mortgage" as mentioned in these Measures refers to the act that the mortgagor provides the mortgagee with debt performance guarantee with his legal real estate without transferring possession.
When the debtor fails to perform the debt, the creditor has the right to be paid in priority with the proceeds from the auction of mortgaged real estate according to law.
(2) The term "mortgagor" as mentioned in these Measures refers to a citizen, legal person or other organization that provides legally acquired real estate to the mortgagee as a debt guarantee for himself or a third party.
(3) Mortgagee as mentioned in these Measures refers to the citizen, legal person or other organization that accepts real estate mortgage as the debtor's debt guarantee.
(4) The term "pre-purchased commercial housing loan mortgage" as mentioned in these Measures refers to the behavior that the buyer pays the remaining purchase price on behalf of the buyer after paying the down payment, and mortgages the purchased commercial housing to the loan bank as a loan repayment guarantee.
(5) The term "mortgage of construction in progress" as mentioned in these Measures refers to the act that the mortgagor obtains the land use right together with the investment assets of construction in progress in order to obtain the construction loan of construction in progress, and mortgages it to the loan bank as a loan repayment guarantee.