I can't. In China Bank and Fu Deng Village Bank, if the credit information is not good, loans are not allowed. When making a loan, the bank will check the personal credit information, and if it finds that there is a problem with the credit information, it will refuse to issue the loan. Individuals who want to buy a house with a loan from a local bank require the applicant to have a stable job and income, a good credit record and no criminal record before applying for a loan. If an individual has a bad credit record, it is not good to apply for a loan in a bank.