Whether it is a mortgage loan or an unsecured loan, the lending institution will require the applicant's credit. Of course, different lending institutions may have different requirements.

For example, the credit requirements of small loan companies are slightly lower, while the requirements of banks are higher. Actually, it has nothing to do with whether it is a mortgage or not. Mortgage loan is just one of many loan methods, and the key depends on the choice of lending institutions and other qualifications of applicants.

For example, the applicant's loan in a small loan company is only overdue for a few short periods, so the credit is not bad and the small loan company is acceptable.

In addition, if the applicant has a high income and a good job nature, he can provide real estate as collateral. Then, it is also possible to get a loan successfully.

Extended data:

Housing mortgage loans, lending institutions mainly value the value of the house, but also have requirements for personal credit.

1. If a person's bad credit record is serious and overdue for three times in two years, or accumulated overdue for six times, or overdue for more than 90 days, it is very difficult and basically impossible to apply for a mortgage loan.

2. If the bad record is not serious, for example, if the credit card is overdue once or twice and the arrears are paid back soon, it is still very likely that the mortgage will be successfully handled. Because there is a real estate as a mortgage, the risk borne by the lending institution will be relatively small, so the bad record is not serious and it is very likely to get a loan.

In addition, if a person has a bad credit record and can't successfully apply for a mortgage loan in a bank, then try to apply for a mortgage loan in a local loan company, and maybe he can successfully pass the examination and approval and get a mortgage loan. Because under normal circumstances, the loan company's requirements for the borrower's loan conditions are relatively loose.