If the housing loan is rejected and the handling bank requires the customer to settle the credit card first, then the user can pay it off according to the bank's requirements. This situation is probably due to the fact that customers spend more credit cards and spend a lot of money, which leads to a higher personal debt ratio shown by personal credit information. In this case, customers applying for housing loans may make banks worry that users' repayment ability is insufficient. For this matter, the customer will settle the credit card debt first, and then apply for a housing loan after the personal debt ratio is reduced to a certain extent, which may go smoothly. The above is to refuse the mortgage and let the credit card pay off.

How to apply for a bank housing loan?

1, improve repayment ability: because of work or income and other factors, banks will think that users can't guarantee timely repayment every month, so they will reject users' applications or reduce users' loan quotas. Therefore, if buyers want to improve their pass rate, it is best to apply when they are married and have a stable family;

2. Working in a large enterprise: If one of the husband and wife works in a large enterprise and the person working in a large enterprise is the main lender, then the bank will usually pass the audit more easily;

3. Meet the loan requirements: If buyers want to apply for housing loans through banks more easily, they need to meet the requirements of banks first.

This article is mainly about how to pay off the credit card when the mortgage is rejected. The content is for reference only.