Mortgage loans need to look at credit information. When a bank applies for a loan, no matter what kind of loan the user applies for, the bank needs the borrower to provide a credit report so that the bank can learn more information through the credit report. If the credit history is overdue, the bank will treat the loan with caution. Banks don't have to spend a lot of time checking the applicant's personal credit information, and credit reports can save time for examination and approval. In other words, real estate mortgage depends on personal credit information. If you apply for a mortgage loan through a bank, you should check the credit records of both husband and wife of the borrower. If the credit history is blacklisted, you can't mortgage the loan, and the husband and wife influence each other. In addition to requiring applicants to provide personal credit information, banks are likely to require users to provide collateral. If the applicant's qualification is not particularly good, the bank will reduce the loan amount, raise the loan interest rate or simply refuse to handle it. SelenaRaglan is good at answering questions in the financial management field.