First, second-hand houses with old houses.
Banks have certain requirements for the age of mortgaged houses, generally not more than 20 years, that is to say, it is difficult to obtain loans for houses with an age of more than 20 years.
Two, less than five years of affordable housing
According to relevant regulations, affordable housing under five years cannot be listed and traded. Housing banks that can't be listed and traded normally will not accept it, so this kind of house can't handle mortgage loans.
Third, some public houses.
, can not provide the purchase contract/purchase agreement, or can not provide the listing certificate of the central house delivery, can not apply for mortgage loans.
Fourth, small property houses.
Because small property houses are built on rural collective land, the house owner has not paid the land transfer fee and other fees, and there is no property certificate issued by the state housing management department, so the house owner only has the right to use and cannot apply for mortgage loans.
Verb (abbreviation of verb) public housing
According to relevant regulations, public welfare facilities such as schools and hospitals, whether belonging to individuals, units or social groups, cannot be used as collateral for loans.
6. Houses with property rights disputes
According to the policy of housing mortgage loan, the mortgaged house cannot have property rights disputes, and the property rights are clear.
Seven, houses included in the scope of demolition.
If the house in your name has been included in the demolition scope, you can't apply for a loan as collateral.
Remind everyone that you must know whether you meet the loan application conditions before applying for a mortgage loan. If you can't meet the requirements, the follow-up work can only be a waste of time!