1. Under normal circumstances, there are outstanding loans in the name of the lender, but as long as the lender has no overdue records, it can still apply for mortgage loans. However, the bank will carefully review the lender's liabilities in this case, and as long as the qualifications meet the requirements, it will not affect the mortgage. If the overdue poverty alleviation loan has not been paid off, this situation will affect the credit information of the lender. Once the bank finds that the lender has a bad loan record when examining the applicant's qualifications, the bank is likely to directly refuse the loan.

2. Housing loan, also known as housing mortgage loan, refers to the application form for housing mortgage loan filled out by the purchaser to the loan bank, as well as the supporting documents required by legal documents, such as ID card, income certificate, housing sales contract, letter of guarantee, etc. After passing the examination, the loan bank promises loans to the buyers, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank directly allocates loan funds within the time limit stipulated in the contract.