Personal credit information can be divided into five levels: normal, concerned, secondary, suspicious and loss. Different banks have different requirements for central bank credit information of mortgage applicants. The results of mortgage approval are evaluated according to the applicant's comprehensive qualifications, taking into account the applicant's income, liabilities, credit history, repayment ability, etc. Whether the approval is passed or not depends on the actual results of the loan handling bank. In addition to personal credit information, banks will also consider other factors, such as having a mortgage record, a long history of personal credit and a high level of education, which are more favored by lending institutions. However, there are compensation records, overdue records and records that have been inquired many times, so it is more difficult to make a payment.