Legal analysis: First, the small property right house. Small property right houses refer to houses built on village collective land without paying land transfer fees. Their property right certificates are not issued by the national housing management department, but by the township government or village government, also known as "township property rights houses". Small property houses are illegal, and there is no real estate license. Of course, they cannot be listed and traded. Therefore, it is difficult to successfully apply for loans in banks with small property houses. Second, the house with unclear property rights. Property with unclear legal property rights cannot be used for mortgage loans, including property frozen by judicial organs or property being sued. Third, there is no guaranteed housing for a certain number of years. Affordable housing refers to the housing listed in the national plan, which is sold to low-income families in cities and towns by fund-raising housing units organized by real estate development companies or city governments at a low profit. Its typical feature is the nature of social welfare. Then according to the current policy, affordable housing under five years is not allowed to be listed and traded. Therefore, such houses cannot be used for mortgage loans.

Legal basis: Measures for the Administration of Urban Real Estate Mortgage Article 7 the State Council Construction Administrative Department is in charge of the administration of urban real estate mortgage throughout the country.