Why some houses cannot be loaned? If the house does not have a real estate certificate, the mortgage loan has not been repaid, or the borrower has a bad credit record, he cannot get a loan.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development; at the same time, banks can also obtain loan interest income and increase their own accumulation.