1. Can I get a loan to buy a house if I have a credit card that I have not paid off?

Yes. As long as the credit card debt is not large, the personal debt ratio is not high, and the customer meets the loan requirements set by the bank, has the ability to repay on time, has a stable income, has good personal credit, and provides sufficient information, the mortgage loan is usually It can be done smoothly and will not be affected just because there is a balance on the credit card under your name. However, if a customer has a lot of credit card debt, resulting in a high personal debt ratio, then if he applies for a mortgage under such circumstances, the bank may refuse to approve the loan because he is worried about the customer's insufficient repayment ability. : Overdue payment not only requires you to bear a late payment penalty of 5% of the minimum unpaid portion, and the full amount of penalty interest on the bill (a daily interest rate of 0.5%, the interest will be calculated on the day of consumption, and the interest will be charged monthly until the principal and interest are paid off). If you have a bad credit record at the Credit Reference Center of the People's Bank of China, it will be difficult to apply for credit cards and bank loans within 5 years; if you are overdue for more than three months or have not repaid the bank's reminders more than twice, the bank will freeze your card and list you. In order to ban customers (blacklist), your credit card and malicious overdraft will also be enforced. The impact of overdue credit cards on banks varies depending on the specific circumstances. The specific analysis is as follows: 1. Generally, overdue credit cards caused by card holders’ negligence do not mean that there is a problem with the cardholder’s repayment ability or that the cardholder’s credit is low. It will not have an adverse impact on the bank. In this case, because the bank will charge late payment fees to cardholders, cancel the interest-free period, and charge an interest of 0.05% per day based on the bill amount, it will bring additional income to the bank; 2 . If there is a problem with the cardholder's repayment ability or the cardholder's credit is reduced, the credit card overdue phenomenon in this case will not bring additional income to the bank because the bank imposes late fees or cancels the interest-free period. On the contrary, it will It will adversely affect the quality of bank credit card credit funds. If bad debts are formed, the bank's net income will be reduced accordingly. Other effects of overdue credit cards: 1. Unable to apply for a credit card. 2. Cannot apply for a loan: If a person's credit history is bad and serious, he can no longer apply for a loan from any bank in China; 3. Restrictions on the purchase of insurance and financial products; 4. Restrictions on online shopping of luxury goods; 5. Restriction of children from attending high-tuition private schools ; 6. Restrict the use of transportation: you cannot choose airplanes, train soft berths, steamship No. 2 or above routes, and those with bad credit cannot purchase travel and vacation products through the platform, nor can they book air tickets. 7. Restrict the leasing of office buildings, hotels, apartments and other places. 8. Restrict high consumption in hotels, hotels, nightclubs, golf courses and other places. 9. Restrict the purchase of vehicles that are not necessary for business operations; 10. If the person subject to execution is a natural person, he shall not serve as the legal representative, director, supervisor, or senior manager of the enterprise.