I have a housing loan myself. When the bank wanted to lend money, it found that I had a loan record! Personal memory is never lent out. If you want to know the law, just look. ...
You don't need to report it first. In this case, you must first find the bank that helps you with the loan and help you check the credit records ~ Credit records can be checked by every bank, and it is free, that is, (personal credit records). Once found out, it is equivalent to your credit list, which clearly lists when you borrowed the money.