the personal credit system of the bank is not affected by the application for affordable housing, because the application for affordable housing does not need the bank's proof that the arrears will not, as long as the credit is good.

credit card debt does not affect the loan to buy a house. Although the credit card is in arrears, it will not affect the mortgage application as long as the applicant is not overdue, or the credit is not good, and the amount of arrears is not very high. It can be seen that if you apply for a loan to buy a house, you must pay attention to the credit record and debt ratio.