Legal analysis: This has nothing to do with loans. As long as your credit information is good enough and you have a normal source of income, you can borrow money to buy a house, and the bank will not check your past history. Conditions for applying for loan to buy a house:

(1) has legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status.

(2) Have a good credit record and willingness to repay.

(3) It has a stable source of income and the ability to repay the loan principal and interest in full and on time.

(4) The sales (pre-sale) contract or letter of intent of the purchased housing and commercial housing.

(5) Have the ability to pay the down payment of the purchased house.

(6) Opening a personal settlement account in a bank.

(7) Effective guarantee recognized by the lender.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide 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.