1. Collective land title certificate. Houses belonging to collective land cannot apply for mortgage loans in banks, and the housing management department has not handled mortgage registration according to relevant regulations, so it is impossible to apply for mortgage loans.

2. The house ownership certificate is very old. Some houses built earlier are already in the scope of dangerous buildings, and mortgage loans are not allowed within this scope, which is a clear regulation of the banking department.

3. The house ownership certificate in the transformation of the old city. Houses sealed up by local housing management departments cannot apply for mortgage registration, nor can they apply for bank mortgage loans.

4. There is no loan application entity. Houses without operating economic entities as lenders cannot apply for mortgage loans from banks.

5. Lenders with bad credit information. Personal credit information is tainted, and applicants who are already on the blacklist of credit information cannot apply for bank mortgage loans, even if they have house ownership certificates as collateral.