Go to the People's Bank to type a credit report first to see if you have any bad credit records, including whether credit cards and loans have been repaid on time, and whether the guarantor and the guaranteed have been overdue. If the bad record is considered particularly serious by the bank, the bank will not lend. Moreover, if one spouse has such a situation, it will affect the credit status of the other spouse.

Excluding credit reasons, there are also the inability to provide information required by banks, such as single certificate or marriage certificate, inability to provide monthly income or insufficient running water (different banks have different requirements).