Credit card installment and timely repayment will not affect the housing loan. However, if the applicant fails to repay the credit card within the time limit or has other bad credit records, the bank will assess that the applicant is not qualified to apply for a loan, so it will not consider issuing a loan. Therefore, as long as the credit card repays on time and ensures good credit, it will not affect the mortgage.

Large credit card installment is also a kind of debt, which is reflected separately in the new personal credit report;

If you want to apply for a car loan or mortgage in the near future, it is best to avoid using credit cards in large installments in daily consumption.

Large installment payment will affect mortgage application.

After the new version of the credit report lists "large-sum special installment information", the information is more detailed. When we go to the bank to apply for a mortgage or car loan, this part of the debt will not escape the eyes of the approver.

Whether the bank approves the loan, an important consideration is the "debt situation". If the debt ratio is too high, for example, the household debt ratio exceeds 50%, then the bank will doubt whether you have the ability to repay the loan.

At this time, you need to provide more financial proof and submit more information to the bank for review, and the bank's review will be more strict. In this way, the difficulty and processing cycle of the whole loan will increase. Or, you can simply pay off the card debt first, and then apply for a mortgage car loan.

If you borrow money, it is convenient and easy to borrow money from the platform. Du Xiaoman's credit service products have money to spend, providing users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman APP (official measurement below). The daily interest rate of money consumption loan is as low as 0.02%, the annualized interest rate is as low as 7.2%, and the maximum loan is 200,000! It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.

References:

Du Xiaoman has money to spend on official website.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.