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Don't buy these ten houses that can't be mortgaged!
Real estate mortgage can't be done if you want to. If you want to know whether your property can be mortgaged, let's take a look at the following ten houses that can't be mortgaged.

Don't buy these ten houses that can't be mortgaged!

1, 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.

2. Small property houses

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.

3. 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.

4. 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.

5, less than 5 years of affordable housing

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.

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, cultural relics protection building

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. 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.

Finally, in addition to the above-mentioned properties that cannot be used as mortgage loans, there is another kind of mortgage that is subject to certain restrictions. In other words, houses purchased under the preferential policies of the state cannot be fully mortgaged, and the amount of mortgage is limited to the proportion of the disposition and income of the real estate owner.

(The above answers were published on 20 15-06-29. Please refer to the actual situation for the current purchase policy. )

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