1. Can I get a loan if I haven’t paid off my mortgage and credit card?

You can apply for a loan. As long as the user is not overdue during the repayment process, the user can apply for a loan directly even if the user fails to pay off the mortgage credit card debt in time. But borrowers need to pay attention to the fact that for those who have not paid off their credit cards, the bank will calculate it as a liability. When a user applies for a loan, the credit card balance will affect the amount of the loan the user applies for. Applying for a housing loan requires more documents and procedures than applying for a credit card, and the review is more stringent. The information required for a housing loan application includes: 1. The borrower’s valid ID card and household registration book; 2. Proof of marital status, if you are unmarried. If you are unmarried or divorced, you need to provide a civil mediation letter or divorce certificate (indicating that you have not remarried after divorce); 3. If you are married, you need to provide your spouse’s valid ID card, household register and marriage certificate; 4. Proof of the borrower’s income (continuous Half a year’s salary income certificate or local tax certificate); 5. Property ownership certificate of the real estate; 6. Guarantor (ID card, household register, marriage certificate, etc. are required). What you need to pay attention to when applying for a loan: 1. If you are planning to apply for a loan to purchase a house, you must determine your personal financial strength in advance and whether there will be huge pressure after the loan. Under correct circumstances, after applying for a loan to buy a house, the monthly repayment that an individual needs to repay cannot be more than 1/2 of the individual's monthly salary, otherwise it will increase the financial burden and be detrimental to normal home life. 2. When purchasing commercial housing, you need to choose the most affordable loan method to maximize your personal interests. Therefore, when you go to the bank to apply for a loan to buy a house, you can ask the service staff if there are more favorable policies, and then choose the one with the lowest interest rate and a convenient and simple application process to save the borrower's time. 3. Pay special attention to the choice of repayment method. It is best to choose one that will not cause too much pressure. If you choose to repay in equal installments, you can determine the monthly payment required each month to facilitate your future life. The equal principal amount is suitable for people with relatively strong financial strength and requires less interest.

2. Can I apply for a mortgage if I haven’t paid off my credit card?

There is a difference between minimum repayment and full repayment of credit card. If you pay the minimum repayment every month, your credit report There will be no impact. The loan will not be affected, but if the full amount is not repaid, there will be corresponding bank interest on the unpaid portion next month.

3. Can I get a mortgage if my credit card is not paid off

Personal loans have little to do with how much you spend on your credit card, but it does depend on whether your credit card is repaid on time and whether it is overdue. important relationship. As long as it’s not overdue, there’s no problem!