The main reason why bank credit loans cannot buy houses is that the consumer channels for credit loans do not include buying houses. Any loan has its own special use location, such as a car loan, which can only be used to purchase a car; a decoration loan, which can only be used to purchase materials needed for home decoration; such as a personal housing loan, which can only be used to purchase a house. The main channel for using credit loans is personal consumption. The borrower can use it for eating, drinking, traveling, and investing in himself, but it cannot be used to buy a house.

Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees to return them within a time limit. Bank loans generally require guarantees, house mortgages, proof of income, and good personal credit before you can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.

More and more people born in the 1980s took out loans to buy houses and cars. Suddenly, the loan business provided by banks became the "new favorite" of the times. However, it is still a bit difficult to successfully obtain a loan from a bank, and it is even more difficult to obtain a loan during certain periods of time. Below I will share with you a few tips for successful loans, hoping to help more people successfully obtain loans.

1. Reasons for borrowing. When applying for a loan, the lender should be candid and clear about the reasons for the loan. The purpose of the loan and the personal advantages in repaying the loan should be written in detail. For example: good personal credit record.

2. The amount of the loan. The amount that the lender applies for a loan from the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what the lender wants. They are sure You don’t want your loan funds to be disbursed within half a month. If the loan applied for by the lender is relatively large, it is recommended that you reduce the loan amount appropriately, so that your chances of passing the bank's review will be greatly increased.

3. Borrowing instructions, fill in the application information in detail, the purpose of the loan, personal credit record, source of income, repayment ability, family income, etc. To ensure that your loan can be repaid on time no matter when, where or what the situation is.

4. Loan repayment. After the borrower successfully applies for a loan, he must repay according to the specified time. Do not take chances and delay the repayment time, thereby causing a bad personal credit record. In addition, relevant departments will also make every effort to recover loans that are in arrears.