Will the credit card limit be high if there is a mortgage?
In fact, it can only be said that it is easier to approve credit cards at mortgage banks, but the quota is not guaranteed. After all, every bank has different standards for identifying houses as assets.
Some banks will include the monthly mortgage repayment in the applicant's liabilities, thinking that the applicant's loan risk is high. Although the card is given, it will not be given a high amount unless it has certain assets in the bank. For example, like Shanghai Pudong Development Bank and China Construction Bank, hundreds of thousands of mortgages may be approved with only 65438+100000 credit cards, especially CCB, which may have been using cards since the approval.
However, some banks, such as Bank of Communications, will identify the house they have borrowed as the applicant's assets. Some netizens said that Bank of Communications identified assets according to 50% of the loan amount, such as a loan of 2 million, which is equivalent to the deposit of Bank of Communications 1 10,000. Usually, 500,000 assets are counted as Ward wealth customers of Bank of Communications, and you can apply for a platinum card if there is no problem with credit information. The amount will not be less than 65,438+00% of the loan amount.
Of course, these are just the opinions of netizens, not absolute. They are for reference only. In fact, if you want to apply for a large credit card, you don't have to do it at the mortgage bank. You can apply for some banks with low thresholds, such as China Merchants Bank, Bank of Communications, Minsheng and Xingye. If there are mortgages from other banks, they will also give you a higher amount. Explain in advance that the debt should not be too high.