Legal analysis: detention will not affect the housing loan. When a bank lends money, check the personal credit information of the central bank. Personal credit records do not record the history of imprisonment, so detention will not affect the loan; Bank loans need a stable source of repayment and collateral with good credit information or clear property rights, such as real estate vehicles;

Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.