Legal analysis: Yes, drunk driving is a criminal offence. When banks handle loans, they mainly look at their ability to repay in time. Mortgage borrowers must meet the following conditions at the same time: they have legal status; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; There are legal and effective contracts and agreements for the purchase and overhaul of housing and other supporting documents required by the loan bank; Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; Having the assets mortgaged or pledged by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor; Other conditions stipulated by the lending bank.

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.