diff --git a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loanhomevisitinvestigate/LoanHomevisitInvestigateService.java b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loanhomevisitinvestigate/LoanHomevisitInvestigateService.java
index f1719516ad..2ccf002d8c 100644
--- a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loanhomevisitinvestigate/LoanHomevisitInvestigateService.java
+++ b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loanhomevisitinvestigate/LoanHomevisitInvestigateService.java
@@ -503,12 +503,12 @@ public class LoanHomevisitInvestigateService extends MybatisBaseService<LoanHome
         if (loanHomevisitInvestigatePropertyDetailsVo == null) {
             loanHomeVisitInvestigateInitReportStateVo.setAssetsState(0);
         } else {
-            if (loanHomevisitInvestigatePropertyDetailsVo.getIsRealEstate()) {
+            if (loanHomevisitInvestigatePropertyDetailsVo.getIsRealEstate() != null && loanHomevisitInvestigatePropertyDetailsVo.getIsRealEstate()) {
                 if (loanHomevisitInvestigatePropertyDetailsVo.getPropertyType() == 0
                         || StringUtils.isBlank(loanHomevisitInvestigatePropertyDetailsVo.getRealLoanSituation())) {
                     loanHomeVisitInvestigateInitReportStateVo.setAssetsState(0);
                 }
-            } else if (loanHomevisitInvestigatePropertyDetailsVo.getIsCar()) {
+            } else if (loanHomevisitInvestigatePropertyDetailsVo.getIsCar() != null && loanHomevisitInvestigatePropertyDetailsVo.getIsCar()) {
                 if (loanHomevisitInvestigatePropertyDetailsVo.getCarType() == 0
                         || StringUtils.isBlank(loanHomevisitInvestigatePropertyDetailsVo.getCarLoanSituation())) {
                     loanHomeVisitInvestigateInitReportStateVo.setAssetsState(0);