If the deadline is serious, it cannot be handled. General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times.

The conditions for mortgage loan are as follows:

1,18-a natural person aged 65;

2. Have a valid ID card;

3. Good credit information and no bad records;

4. Have a stable job and a stable income;

5. Commercial housing sales contract or letter of intent with the purchased house;

6. Have the ability to pay the down payment of the purchased house;

7. Open a personal settlement account in a bank with effective guarantee;

8. Other conditions stipulated by the bank.