After the mortgage loan is approved, the credit card can be used. In fact, borrowers can also use credit cards when the mortgage is reviewed. As long as the borrower consumes normally, ensures good card-holding behavior, repays on time, and does not have bad behaviors such as overdue and cashing out, it will not have any impact.

In fact, if you are worried that the credit card debt will affect the amount of mortgage approval, the borrower can also choose to wait until the mortgage approval is passed before using the credit card.

After approval, you need to pay attention to repayment, not only for credit cards, but also for mortgages. Otherwise, failing to report within the time limit will damage personal credit and affect future card and loan processing.

How long will the mortgage be approved?

Individuals applying for housing mortgage loans, different banks or different housing loans, the loan time is different.

1, housing provident fund loans are relatively slow, and it usually takes about 1-2 months to get loans. If growth slows down, some areas will have to wait for six months.

2. The term of commercial housing mortgage loan is about 1 month. This kind of loan is faster than the housing provident fund loan. At present, the loan time of many banks is about 1 month. Some banks lend even faster.