The husband and wife borrowed money to buy a house, and the subprime credit card owed 30,000 yuan, which was not overdue and had a bad record. The main loan is a pure white household, will this affect the loan mortgage? As far as mortgage is concerned, in fact, the importance of credit information of husband and wife, main lender and sub-lender is the same, and the relevant requirements for credit information will not be relaxed just because they are sub-lenders.

The examiner's greatest requirement for credit information is that it is not overdue.

As for your online loan, it won't make your credit report ugly, but the balance of online loan is included in the debt, and your income-debt ratio will be calculated together with the monthly mortgage repayment.

In other words, if you have an outstanding online loan, the bank will require you to have a higher monthly income (income certificate or the embodiment of running water, or the most rude thing is to directly deposit a corresponding amount of time deposit in the bank to offset that part of the debt).

What's more, hundreds of thousands of running water a month can't prove that your husband earns hundreds of thousands of dollars a month. The average monthly income may be several thousand yuan (depending on the business background, such as industry and scale, involving a loan major. It is a long story)

My personal suggestion is to repay the online loan directly if you can, and ask the online loan platform to give you a settlement certificate. If it is really not up, find the corresponding bank to make a real calculation for you. If it works, sign it directly, if it doesn't, try again.