1, operating vehicles. This means of transportation, such as trucks, buses, taxis, etc. Due to the high risk, it is generally impossible to apply for small loans.

2. Vehicles under the company name. It is troublesome to apply for mortgage loans for such vehicles, and lending institutions are usually unwilling to accept them.

3. Vehicles that have been mortgaged. The ownership of such instruments is in the hands of lending institutions and cannot be listed and traded. At present, in order to control risks, most lending institutions rarely accept the business of secondary mortgage of automobiles.

4. Vehicles frozen by the court. This kind of car can run normally, or go to the vehicle management office for annual review, but it can't be bought or sold, and it can't be mortgaged to apply for a small loan.

5. Vehicles with serious traffic accidents. This kind of vehicle, because of a serious traffic accident, will depreciate sharply and its listing and trading ability will be greatly reduced. Lending institutions generally do not accept such tools to apply for small loans.