1, a house without real estate license;
2. Another house with incomplete procedures;
3, less than five years of affordable housing;
4. Houses with multiple property rights but not all of them agree to mortgage;
5. Houses with an age exceeding the age range specified by local lending institutions;
6. Houses under other circumstances.
In addition, most lending institutions handle real estate mortgage loans, which have certain regulations on the age of real estate, and usually only accept real estate with an age of less than 20 years. # The house that cannot be mortgaged is: 1. If the house is still mortgaged, it means that the mortgage of the house is still accepted by the bank. Although the owner can use the house, he does not have complete property rights, so the owner does not have the conditions to apply for a loan with the house as collateral. 1. Although the bank has no strict requirements for small-sized second-hand houses with too long housing age, under normal circumstances, it is difficult for houses with too old housing age and too small housing area to apply for mortgage loans. Under normal circumstances, if the house is not in the main function of the city, and the area is less than 50 square meters, and the age of the house is more than 20 years, the bank will think it is difficult to realize it and mortgage it. 3. Generally speaking, a small property right in a small property right house means that there is no property right. Only the seller's sales contract is not recognized by the housing management unit. Once this kind of real estate has a policy plan, the value of the house will change greatly, so banks will not mortgage small property houses. 4. Affordable housing with a service life of less than five years # The following six types of real estate shall not be mortgaged, and the mortgage is not restricted.
The first category: houses with mortgage repayment.
The house is mortgaged in the bank, and the owner does not have full property rights.
The second category: old second-hand houses.
Although banks do not have strict requirements, under normal circumstances, houses that are too old and have too small housing areas are not easy to apply for mortgages.
The third category: small property houses.
Generally speaking, small property houses actually have no property rights, only in the form of sales contracts, without the approval of the housing management unit. Once the policy of such real estate changes, the value of the house will change greatly.
The fourth category: affordable housing under five years.
Affordable housing for less than five years is restricted by the state and cannot be listed, and banks cannot accept mortgages.
Category V: Houses that have been sealed up.
According to the relevant provisions of Article 37 of the Guarantee Law and Article 184 of the Property Law, the property sealed up, detained and supervised according to law shall not be mortgaged.
Category VI: Partially purchased public houses.
There are two situations in which you can't apply for a real estate mortgage loan.
1. The purchased public houses cannot provide the purchase contract or agreement, because some purchase contracts will write the clause that the original unit has the right to purchase;
2. The purchased public houses cannot provide the listing certificate of the central delivery room.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!