You don't need a credit card settlement certificate to buy a house with a loan, but the bank will take the credit card as a liability. When users approve the loan, they need to submit a better bank account.

you don't have to pay off a loan to buy a house like a credit card. Because the bank's credit card and mortgage are two different loan products, there is no conflict between applying for them at the same time. As long as the lender meets the conditions, he can apply for a loan from the bank to buy a house, so there is no need to prove the settlement.

loan procedures need: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, and guarantee certificate of guarantee company.