Reasons for failing non-rural household mortgage ratings:

1. There is a record of overdue repayment. When applying for a loan, the borrower's personal credit report is an important reference. If the report shows that the borrower has a recent record of late repayments, the likelihood of the loan being rejected is very high.

2. The loan information is incomplete. One of the conditions for successfully obtaining a loan is that the information provided by the borrower must be complete, because if the information provided by the borrower is incomplete, the bank will also reject the loan.

3. The loan information is untrue. Some home buyers are worried that the loan limit will not be high because of their low income, so they think of submitting false information. However, if the bank finds out, the loan will definitely be rejected, and they may also be blacklisted.