The property rights of houses are different: the mortgage of new houses is carried out in the process of building houses, and banks can review the property rights of houses to ensure that the property rights of houses are clear and reduce the loan risk. However, there may be some problems in the property rights of second-hand houses, such as poor construction quality and unclear property rights, which may increase the loan risk of banks and lead banks to be unwilling to provide mortgage loans for second-hand houses.

The value of the house is different: the mortgage loan amount of the new house is usually determined according to the value of the house, while the value of the second-hand house may fluctuate greatly. Therefore, when banks provide second-hand housing mortgage loans, they need to evaluate the housing value, which may increase the cost and risk of banks.

Mortgage problem: When banks provide mortgage loans for second-hand houses, they need to mortgage the houses. However, because there may be differences in the housing conditions of second-hand houses, banks can't standardize the evaluation and mortgage of houses like new house mortgages.

In short, different housing types and property rights, as well as the bank's loan policy and risk control, may lead to more difficulties and risks when banks provide second-hand housing mortgage loans.