There are two 1 in your credit card, which means that your credit card failed to repay the minimum repayment twice. As long as the individual housing loan record is "settled", it can be considered as no mortgage. At present, the bank's policy is that if the per capita living area of a family is lower than the local standard, it can continue to lend, but the down payment must reach more than 40%, and some banks require a higher down payment.