In the process of applying for a home loan, the act of fictitious income or assets to mislead the lending institution is financial fraud, which is an illegal act and may lead to serious legal consequences, including criminal liability. Chinese law severely crack down on such behaviors and maintains the order and fairness of financial markets. We strongly recommend that all loan applicants comply with laws and regulations and provide true and accurate financial information honestly and trustfully. If you encounter any difficulties in the loan process, it is recommended to seek the help of formal financial institutions or professionals to solve the problem through legal means. The state has also provided a variety of legal loan support policies to help eligible citizens realize their housing dreams. The majority of citizens are requested to consciously maintain a good financial environment and jointly promote the construction of a social integrity system.