For example, when those students decide to apply for mortgage loans to purchase real estate, their application would be declined by banks due to their bad records in the individual credit information database.

例如，当这些学生想申请贷款买房时，他们的申请很有可能将会被银行驳回，这很有可能就是因为他们在个人信誉中的记录所导致的。