If after sale of land use rights collateral, the bank once exercise Mortgages, together with the land use rights to land new housing auction houses will face a situation of the Housing landless.

• 如将土地使用权抵押后再预售，银行一旦行使抵押权，将该土地使用权连同土地上新增房屋一起拍卖，买房人将面临有房无地的处境。