1. Mortgage loan: When applying for a mortgage loan, the lender can dispose of the mortgage loan according to law because the borrower fails to repay the loan because there is equivalent collateral. Therefore, there are requirements for the borrower's credit information, but it is not very strict. For example, when applying for a mortgage or car loan, the general lending institution only requires the borrower to be overdue for no more than six times in the last two years, and there is no record of three consecutive overdue times, and the overdue time is no more than 90 days. If there is no problem with the credit information, you can't apply.

2. Secured loan: To apply for secured loan, as long as the borrower is not a black customer with credit information, and there are some problems with credit information, such as overdue for two or three times, you can basically apply for loan as long as you can find a suitable guarantor or a third-party guarantee institution. However, the secured loan will require the guarantor to have good credit reporting and repayment ability, because when the borrower is unable to repay, the guarantor needs to bear the repayment responsibility.