In the process of handling the mortgage business, the borrower's monthly income is required to be: the monthly income is twice the monthly payment. If the borrower is in debt, the requirement for the borrower's monthly income becomes: the sum of monthly income and debt is twice the monthly repayment amount. Credit card installment (including both husband and wife's credit card installment) is also a debt of the borrower. If the amount is relatively high and the income is insufficient, it will affect the loan amount.
It will not be affected if valid and full proof of income can be issued. The credit of the loan should be checked, mainly whether the mortgage, car loan and credit card are overdue and whether there is debt.
If there is enough income, the credit card can repay the loan on time, the consumption is normal, and there is no problem with the credit, then the credit card installment will not affect the housing loan.