Legal analysis: a house with a loan can apply for a credit loan. House that needs to be repaid for half a year. It can be used to decorate the house. Requirements: 1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct; 2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule; 3. Abide by laws and regulations, and have no illegal acts and bad credit records; 4. The mortgaged property has been repaid for more than half a year; 5. Other conditions stipulated by the bank.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.