The immovable property that cannot be mortgaged includes: (1) land ownership; (2) the right to use collectively-owned land such as cultivated land, homestead and hilly land, but the right to use barren hills, gullies, hills and beaches contracted by the mortgagor according to law and agreed by the employer is mortgaged by buildings such as factories of township (town) and village enterprises, except the right to use land within the occupied area; (three) for schools, kindergartens, hospitals and other public real estate; (four) the ownership and use right of unknown or controversial real estate; (5) Real estate that has been sealed up, detained and supervised according to law; (six) other real estate that may not be mortgaged according to law.

legal ground

Article 399 of the Civil Code The following properties may not be mortgaged: (1) Land ownership; (two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law; (3) Educational facilities, medical and health facilities and other public welfare facilities of non-profit legal persons established for the purpose of public welfare, such as schools, kindergartens and medical institutions; (4) Property whose ownership and use right are unknown or controversial; (5) Property that has been sealed up, detained or supervised according to law; (6) Other properties that may not be mortgaged according to laws and administrative regulations.