Judging from the current situation, "applying for a mortgage requires a credit card" is actually a bundled sales behavior of some local branches, and it is not a necessary step to apply for a mortgage. This practice is mainly to help banks increase the amount of credit cards issued, which is not directly related to mortgage handling. However, for those who need to apply for a mortgage, they may have to accept this compromise.

However, applying for a credit card also has certain benefits for everyone. Here are some benefits:

1. Gradually accumulate personal credit through credit cards, laying a foundation for handling financial business in the future;

2. Relieve the current economic pressure through credit card overdraft;

3. Using credit card can enjoy preferential activities of cooperative merchants and save daily expenses.

Is the mortgage made by the developer or by himself?

Property buyers need to apply for their own mortgages, which is related to the bank's business and has no direct relationship with developers. Personal information and related materials are required to apply for loans, and developers cannot provide this service.