From 20 11May1day, "People's Republic of China (PRC) Criminal Law Amendment (VIII)" will be officially implemented, and drunk driving will be investigated for criminal responsibility as a dangerous driving crime. Once the drunk driver is verified, he will face the penalty of up to half a year's criminal detention.

The criminal record has little influence on the loan, because it is not reflected in your credit information system. When banks handle loans, they mainly look at their ability to repay in time.

The mortgage borrower must meet the following conditions at the same time:

Have a legal status;

Have a stable economic income, good credit and the ability to repay the principal and interest of loans;

There are legal and effective contracts and agreements for the purchase and overhaul of housing and other supporting documents required by the loan bank;

Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;

Having the assets mortgaged or pledged by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor;

Other conditions stipulated by the lending bank.