Detailed description:

1. The credit rating is one of the commonly used reference indicators when banks and financial institutions review loan applications, and 77 is a generally good rating range.

2. Banks will not only consider personal credit rating when approving loans, but also comprehensively consider other factors, such as income and job stability.

3. If the personal credit score is 77, but other conditions are good, such as a stable source of income and employment or business records, you can generally borrow normally.

4. Different banks and financial institutions may have different requirements for credit rating, and some institutions may pay more attention to the clarity and health of personal credit records.

5. Without providing enough information, it is assumed that the personal credit rating is based on the current credit rating system in China, and other application conditions meet the general requirements.

Summary:

According to the above situation, a personal credit score of 77 points can be used for normal loans. However, other factors, including income and job stability, need to be considered comprehensively in loan approval. Different financial institutions may have different requirements and standards.

Extended data:

Personal credit rating refers to an index that reflects personal credit status based on personal credit records, repayment records and other information. Personal credit rating usually adopts the personal credit report provided by the Credit Information Center of China People's Bank, which contains personal credit information and rating results. This scoring result has an important impact on whether the loan and credit card applications are passed.