There is no problem with credit reporting. There is no deposit and no running water in the bank card all the year round. Banks don't allow loans. What's the matter?

There are many reasons why a loan can be released, and your credit information and running water are just one of them.

The first thing is to see what kind of loan you are applying for.

If you apply for a credit loan. Then credit information and running water will be the main reference for your loan. Therefore, the success rate of your loan application is very low, and it is not recommended that you try to apply. Because the rejection of your application will directly affect the success rate of your next loan application.

If you want to apply for a mortgage. Then credit information and running water are only used as auxiliary reference. The threshold of mortgage loan is low, and the success rate of loan application is high. You can try to apply, and it will usually pass.

If you are not sure about your credit and can't evaluate your loan application success rate, then I suggest you check your credit report on the query, which will evaluate your loan application success rate. If the success rate is above 80%, then you can apply with confidence. If the success rate is less than 80%, it is recommended that you combine the report to optimize the credit before the loan.

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