Because the bank loan depends on your personal credit record first, if you have other loan records and current liabilities (that is, monthly payment) in your personal name, it will affect the loan approval. Specific examples are as follows

2w stages, back to 700 yuan every month.

The loan is paid in installments, with a monthly repayment of 2000 yuan.

Then your income certificate and running water will cover twice the 2700 when you borrowed money.

There is no 2w installment, and your income certificate and running water cover twice as much as 2,000 just for monthly payment.

The above is the impact. Mortgage is better. If it is a provident fund loan, the provident fund cannot be loaned.

I hope my answer can help you.