Bank loans have title deeds, and banks in China don't look at liabilities. To apply for a mortgage loan in a bank, you need to show the original real estate license, loan application form, personal credit report, bank running water and other materials. Every bank has different rules and regulations. I know that the policy of China Bank in handling mortgage loans is still relatively loose. As long as you have the ability to repay the loan, your personal credit can be handled smoothly without any problems.