Huaming Rural Bank’s home mortgage loan has no impact on your credit score. When we use real estate to apply for a mortgage loan, we will be subject to a credit report. When we apply for a mortgage loan, the bank staff will input our information into the credit report system, and now the credit report system is networked nationwide. As long as You can check your personal credit report by entering your personal information. Therefore, you must repay the loan in time, otherwise it will easily affect your later credit report. Once your personal credit report fails, you may want to Applying for a second loan from a bank is difficult. As long as you repay your loan on time and have no bad credit record, it will not affect your personal credit score.