First of all, as long as the credit card repays on time, even if there is no overdue record in installments, it will not affect the mortgage, and it will not affect the personal credit information. As long as there is no problem with personal credit information, the down payment is based on whether the individual has outstanding loans based on the family. If there is no outstanding loan, it will be considered as the first set.
Secondly, no bank stipulates that credit card debt must be paid off before lending, but some banks will calculate credit card debt as liabilities when calculating the approval amount, so the loan amount will be reduced; However, if the credit card adopts the minimum repayment amount, it also shows that the repayment ability is not very strong, and the bank will consider the repayment ability.
Extended data
I. Credit card installment fee
The general 1 year credit card installment fee is lower than the annual cash withdrawal interest 18% and higher than the bank commercial loan interest 1 year 5.3 1%. It is worth mentioning that the loan interest rate of commercial banks has been lowered many times since last year, but the standards of credit card installment fees and cash withdrawal interest have rarely changed. Although different banks have different standards for credit card installment fees, the calculation method is roughly the same.
Second, the credit card repayment method
1, within the issuing bank
This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
3. Online repayment
Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Baidu encyclopedia-credit card
Baidu encyclopedia-credit card installment payment