If you write a loan, the bank can find it, but if you have a house without a loan, the bank can't see it, because the credit information system of the People's Bank of China only has records of your dealings with the bank. As for whether you have a house, even the Ministry of Construction has no such system. Don't worry, but if the bank wants to take your house, it will definitely ask you for proof of real estate!

If in doubt, please ask.