Banks have not stopped mortgage loans for real estate, which can be said to have never stopped, but it may be because of some policy reasons. For office workers, banks generally don't do consumer mortgage loans, so they may say they don't do this business in order to refuse, but we should know that when buying a house, they rarely get the full amount. After paying the down payment, the bank gave us a mortgage loan.

1. Banks cannot provide consumer mortgage loans. According to the national policy, the bank recently restricted the consumption mortgage loans of office workers, that is to say, it does not support loans with real estate as consumption mortgage, so the bank can only reduce this business, but other normal loans can still be done as long as they conform to the national policy, and loans are part of the bank's income, so it is very likely for banks to do so.

Second, banks open small and micro enterprises to operate mortgage loans. Although banks have reduced the business of mortgage consumer loans, the policy is very supportive of operating loans for small and micro enterprises to improve economic development. Moreover, in order to encourage loans of this nature, banks have various products and the interest rates are relatively low. It is very convenient for small and micro enterprises to handle business loans, such as the opening of industrial and commercial information, the docking of taxation and banking policies, and the development of financial technology.

Third, real estate mortgage loan. Real estate mortgage loan is more a loan when buying a house, not a commercial loan, but a consumer loan. When approving loans, banks will look at the purpose and intention of loans. Only when it conforms to the national policy and the bank considers it a healthy behavior will it provide loan business, otherwise it will refuse, so the question mainly asks this reason.