Generally speaking, when applying for housing loans, banks will inquire about personal credit status, but personal credit information will not show personal deposits and liabilities. Basically, what the bank can see is your credit card use and loan situation.

However, it should be noted that to apply for a mortgage loan, the following conditions must be met:

(1) The applicant has a fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, and is a China citizen under 65 years of age (including 65 years of age) with full capacity for civil conduct;

Two, the applicant has a legitimate occupation and stable income, and has the ability to repay the loan principal and interest on schedule;

Three, the applicant should have a good credit record and willingness to repay, no bad credit record;

Four, the applicant can provide legal, effective and reliable guarantee recognized by the bank;

Five, the applicant must have a clear loan purpose, and the loan purpose in accordance with the relevant provisions;

Six, the applicant must open a personal settlement account in the bank;

Other conditions stipulated by the bank.

The above information should be as true as possible, otherwise the bank will find false information and may put individuals on the list of distrust, and it will be more stringent to review mortgage applications in the future.

Will the bank check personal debts when buying a house with a loan?

When a bank loans to buy a house, the bank will inquire about the financial situation of the buyers, including the debt situation.

According to Article 14 of the Interim Measures for the Administration of Personal Loans, the loan investigation includes but is not limited to the following contents:

(1) Basic information of the borrower;

(2) The income of the borrower;

(3) the purpose of the loan;

(4) The source, ability and method of repayment of the borrower;

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.

Fifteenth loan investigation should be based on field investigation, supplemented by indirect investigation, and take on-site verification, telephone inquiry, information consultation and other ways and methods.

Extended data:

Interim Measures for the Administration of Personal Loans Article 41 Where a lender handles personal loan business in violation of these measures, the China Banking Regulatory Commission shall order it to make corrections within a time limit. Under any of the following circumstances, the China Banking Regulatory Commission may take the regulatory measures stipulated in Article 37 of the Banking Supervision Law of the People's Republic of China:

(1) Failing to investigate and review the loan due diligence;

(2) Failing to establish and implement the system of loan interview and loan contract face-to-face signing as required;

(3) The terms of the loan contract have not been publicized;

(four) in violation of the provisions of article twenty-seventh;

(five) payment management does not meet the requirements of these measures.