The user's credit card was rejected because the credit qualification was poor and the threshold for mortgage application was higher than that of credit card. At this time, it is very likely to directly reject the mortgage application.
Therefore, although the credit card is rejected, it will not directly affect the mortgage, but the credit qualification conditions are poor, and it is basically impossible to apply for a mortgage.
The application conditions and audit standards of credit cards are different from those of mortgages. If the user's credit card application is rejected, he can try to apply for a mortgage.
Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Discovery: Zhiyi Big Data can generate big data reports. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.
Extended data:
What are the reasons for the rejection of the house purchase loan?
There are many reasons why the house loan is rejected, such as the following.
1. My credit is not good, and there are bad records or serious negative information in my personal credit report.
2. Recently, there have been too many frequent loans, which has led to the emergence of long-term lending and the "flower" of credit information; And because many loans have not been paid off, the personal debt ratio has also risen quite high.
3. The running water provided by the bank is not up to standard (the monthly income of running water is generally required to be not less than twice that of monthly mortgage, for example, if you borrow 600,000 mortgage and choose to borrow for 20 years, then the principal to be shared every month is 2,500, so you need to prepare running water with a monthly income of not less than 5,000).
4. The information submitted is incomplete or incorrect, which is inconsistent with the real situation.
5. The bank is short of money to lend, but there is no problem in itself (in this case, you can re-apply for a new bank).
6. Real estate developers have problems, such as incomplete documents (there is no way to solve this situation, so we can only choose to check out and refund the down payment).