When applying for a mortgage, banks value credit reporting. As long as there is no problem with credit reporting, is it better to have a mortgage?

The mortgage approval bank mainly examines two aspects, one is credit reporting, and the other is repayment ability. Therefore, it is not enough that there is no problem with credit reporting. If the lender is unable to repay the loan, the mortgage will not pass.

In order to obtain a better mortgage loan, the lender should not only maintain a good credit, but also make the bank recognize his repayment ability as much as possible, such as debt relief, finding someone to guarantee, providing collateral, or lending together.

The above is related to the failure of mortgage, I hope it will help everyone!