1, housing mortgage loans rely on personal credit information.

2. If you apply for a mortgage loan through a bank, you should check the credit records of the borrower's husband and wife. If credit is blacklisted, you can't mortgage loans, and husband and wife influence each other.

3. It can provide effective pledge guarantee of rights recognized by the bank or can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability.

4. Open a personal settlement account of Industrial and Commercial Bank of China, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account.