1. You can borrow money to buy a house immediately after the online loan is paid off.

2. After the online loan is paid off, you can apply for a loan to buy a house according to your personal credit status.

3. Banks usually consider the following factors to evaluate whether the applicant meets the housing loan conditions: income level, occupational stability, credit history, etc.

4. After the online loan is paid off, if the personal credit is good, there is a greater chance of buying a house with a loan.

Second, the loan to buy a house credit card:

1. You don't have to pay off all your credit cards when you buy a house with a loan.

2. The bank will comprehensively consider the applicant's overall credit status, including the use of credit cards.

3. If the personal credit card has an overdue or bad record, it may adversely affect the loan to buy a house.

4. It is recommended to pay off the credit card debt and maintain a good credit record.

Summary:

1. You can borrow money to buy a house after the online loan is paid off, but whether you can get the loan in the end depends on many factors.

2. You don't have to pay off your credit card to buy a house, but a good credit record will increase the chances of loan approval.

Personal credit status is very important for applying for a loan to buy a house. It is wise to pay off debts in time and maintain good credit.

Extended data:

In China, housing loans usually need to meet certain conditions, including but not limited to: a stable source of income, a good credit record, adequate repayment ability, etc. Specific loan policies and conditions may vary by region and bank. It is recommended to consult a professional or ask the bank for more information and get accurate guidance before buying a house.