You can apply for a mortgage.

No bank stipulates that credit card debt must be repaid before taking out a loan, but banks will calculate credit card debt as a liability to reduce the loan amount.

Processing conditions:

1. The borrower has full capacity for civil conduct between the ages of 18 and 65;

2. There are down payment funds for the purchase of a house and legal Valid house purchase contract;

3. Good credit record;

4. Can provide bank-approved mortgage or guarantee;

Stable job and income.

In addition, borrowers need to prepare the following materials when applying for a mortgage loan:

1. Couple’s ID card, household registration book, and marriage certificate;

2. House purchase contract and down payment receipt;

3. Proof of income and employment;

4. Proof of address.

The process of applying for a home loan:

1. Submit a loan application to the bank. After the bank accepts the application, it will be reviewed and approved. The general approval time is about 2 weeks.

2. After the bank approves, you can ask the bank manager for the specific time of the loan. After confirmation, you can handle the transfer and pay the down payment.

3. After signing a loan contract with the bank, pay various fees and apply for mortgage and insurance. When signing a loan contract, be sure to read the terms clearly.

4. Some banks require customers to apply for a loan from the bank again. After taking out a loan, ask the bank for a loan contract and IOU. For second-hand houses, you also need an insurance policy and an appraisal letter. Two copies of the real estate certificate must be stamped with the official seal of the bank.