Detailed reasons:

Personal accounts have mortgage loans, as long as they are not overdue;

Individuals need to check the liabilities in the bank, and if there is no problem with the liabilities, they can mortgage them;

As long as individuals have good repayment ability, they can make mortgage loans.

Summary: As long as an individual has no bad record of the bank and has the corresponding repayment ability, he can directly apply to the bank for a mortgage loan to buy a house.