1. Credit records: When approving loans, banks will comprehensively consider the credit records of borrowers, including repayment records and overdue situations. If there is no overdue record, it is conducive to loan application.
2. Credit score: Credit score is an important indicator for banks to evaluate the credit status of borrowers. If the lender's credit score is good, even if there is debt, it will not affect the application for housing loan.
3. Debt ratio: Banks usually calculate the borrower's debt ratio, that is, the ratio of total debt to income. If the borrower's debt ratio is within the acceptable range, the bank is still willing to consider the loan application.
4. Income stability: Banks will also pay attention to the income of borrowers, including job stability and income level. If the borrower has a stable income source and can provide relevant certificates, it will also have a positive impact on the loan application.
To sum up, even if there are loans and credit card arrears, it is still possible to borrow money to buy a house if there is no overdue situation. However, the specific loan approval and interest rate conditions need to be evaluated according to personal circumstances and bank policies.
Extended data:
In China, personal credit status has an important influence on loan application. In recent years, China has established a credit information system to encourage borrowers to voluntarily repay loans, and at the same time, it has also improved the risk prevention and control capabilities of financial institutions. Therefore, maintaining a good credit record is very important for loan applications and other financial activities.