This depends on the extent of the unauthorized building works. Before approving a mortgage for a village house, the bank will arrange for a property inspection, and if unauthorized building works are discovered, the bank will assess the "resetting fee" to restore the property to its original condition. If the resetting fee is not significant, some banks may not deduct it, and the applicant may be required to sign an agreement to bear the cost of demolition. However, if the unauthorized building works are severe, the mortgage application may still be rejected.