Before lending money, banks will generally conduct another credit review, including checking the applicant's credit information. Credit information is one of the important bases for evaluating personal credit status. Bank loans often know the applicant's credit record and repayment ability by inquiring about personal credit report. Therefore, after the mortgage is approved, the bank will generally check the applicant's credit report again before lending.

Credit information is provided by credit reporting agencies, including personal credit records, overdue status, loan balance and other information. Banks can evaluate the applicant's credit risk by consulting the credit report, so as to decide whether to lend money and the loan interest rate.

It is very important for applicants to know their credit information. You can enter personal information through online credit inquiry platforms such as Xiaoqi Credit Inquiry to get your own big data and credit status. This kind of inquiry can obtain various indicators, such as the score of cyber-black index, blacklist, online loan application record, overdue situation and the estimated credit limit of credit cards and online loans.

Therefore, after the mortgage is approved, banks will generally check the credit information again before lending to further understand the applicant's credit status. Applicants can query their credit information through the online credit information query platform, which is helpful to know their credit status in advance and ensure full preparation.