It is easy for banks to refuse loans. The bank usually calls the lender back in person during the approval process, as long as you don't answer the phone as usual. For example, asking you how much to borrow, you are wrong; Or ask which house you bought, and you said you didn't buy it or said the wrong room number.

There was such a case. The bank pays a return visit to the customer, and the customer's nonsense is a fraudulent phone call. Therefore, the bank refused to lend.