Hello! \x0d\ Different banks have different loan requirements. If this one doesn't work, you can exchange it for another one. I don't know your specific situation. Generally speaking, lenders have their own real estate, and operating credit information can almost always be used for loans, because banks also want to make money! \x0d\ I think as long as your hardware (work, repayment ability and house, etc. Strong enough, banks can lend money, and running water is only a standard for banks to judge your repayment ability; \x0d\ What I will think of for you is to find an influential local loan company to help you! But after the completion, you must repay on time!