Taking China Industrial and Commercial Bank as an example, according to Article 16 of the Measures for the Administration of Personal Housing Loans of China Industrial and Commercial Bank, mortgage loan refers to the loan issued by the lender in the form of legal mortgage with the property of the borrower or a third party as collateral. The following properties can be used as collateral:

(a) the mortgagor has the right to dispose of real estate and fixed objects on the ground;

(two) the right to use state-owned land obtained by the mortgagor according to law;

(3) Other properties recognized by the lender.

The following properties cannot be used as collateral:

(1) Land ownership;

(2) Property whose ownership and use right are unknown or controversial;

(3) Property that cannot be enforced or disposed of;

(4) Mortgaged property;

(5) Property that has been sealed up, detained, supervised or taken other preservation measures or compulsory measures according to law;

(six) other property that may not be mortgaged according to law.

Extended data:

Article 37 of the Guarantee Law of People's Republic of China (PRC) * * * The following properties shall not be mortgaged:

(1) Land ownership:

(2) The right to use collectively-owned land, such as cultivated land, homestead, private plots and private hills, except as provided for in Item 5 of Article 34 and Paragraph 3 of Article 36 of this Law;

(3) Educational facilities, medical and health facilities and other public welfare facilities of schools, kindergartens, hospitals and other institutions and social organizations;

(4) Property whose ownership and use right are unknown or controversial;

(5) Property that has been sealed up, detained or supervised according to law;

(six) other property that may not be mortgaged according to law.

Measures of China Industrial and Commercial Bank of China-China Industrial and Commercial Bank of China for the Administration of Personal Housing Loans