First, your credit records must be good. The bank will focus on your personal credit report when it approves the mortgage. If you do not have any bad records on your credit reports, this is certainly a big, plus-subparagraph. Some banks not only look at whether they are overdue, but are also concerned about whether you have too many borrowing records, even if they are not. It would therefore be preferable to check their credit reports before applying for a mortgage to ensure that there were no problems。