Legal analysis: as long as you get the loan, no matter what platform or channel, it depends on your debt situation. You can never apply for a credit loan without looking at the debt loan, that is to say, without looking at the borrower's credit qualification. Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be compensated in priority for the property. The debtor or the third party mentioned in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.