When a user applies for a mortgage loan, the bank will ask the user to provide bank tap water. Generally, the bank's running water must be twice or more than the monthly mortgage repayment. That is to say, if the total repayment amount of credit card (debit card) arrears+monthly mortgage payment has exceeded half or more of the bank's running water, then the credit card (debit card) arrears will affect the mortgage at this time.

The monthly mortgage payment is related to the loan amount, loan interest rate and loan term applied by users. Therefore, knowing the monthly mortgage amount, you can know the limit of credit card (debit card) debt amount.