The qualification examination of buying a house by loan generally includes your economic ability and usual credit. Mainly manifested in: first, whether the loan is available, whether it meets the loan conditions and the degree of the loan. On the one hand, it is caused by its own reasons. You can't buy a house if you have two loan experiences, and you can't borrow money if you buy a house twice; Second, your credit problem, because in practice, it found that it didn't notice some expected repayment in the credit, because it neglected to go to the People's Bank for verification in advance and thought that it would not lend if it met the loan conditions, so it was necessary to check whether it met the loan conditions, because it was necessary to make necessary preparations before buying a house.