Detailed reasons:

When the court seals up the house, it freezes all its rights, including the right to use and the right to income, and no third party may set any other rights on it;

Housing loan is a real estate pledge loan, which belongs to the establishment of a third party pledge on the house, and the law does not allow it.

Matters needing attention in handling housing mortgage loan:

Housing mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability.

I. Housing requirements:

Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage;

The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;

Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

Two. Lender's requirements:

China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.

Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;

No illegal acts and bad credit records;

Being able to provide effective pledge guarantee of rights recognized by banks or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

Other conditions stipulated by the bank.