In the approval process of bank mortgage (and other credit applications) business, the total credit amount displayed on the personal credit report will be a reference.

However, this "total credit limit of credit cards obtained" is just a reference. For people whose assets are strong enough to cover all credit limits, as long as these total amounts are not large, they will generally not affect the housing loan. of approval.

Another criterion for home loan approval is: the accumulated outstanding balance of your credit cards. If this indicator exceeds 30 and your asset limit is not large, it may affect the approval.

It means: It doesn’t matter if you have a card, I don’t use it much, but I use it often. ——Such customers are high-quality customers.

I have a classmate who is a big boss. The three cards in his name have a limit of more than 1 million. He also got a card that he has never used in order to "help friends complete tasks." If he buys a house, There is definitely no problem with the loan.

To be honest, housing loans are basically “loans” supported by the local government. For banks, they are also low-risk projects “backed by a house”.

Therefore, what banks are most interested in is how well your income level covers average monthly repayments, and how stable the applicant’s income is.

As long as your income is high enough and stable enough, even if you have 5-6 credit cards, there is a high probability that there will be no problem in getting your mortgage approved.

Hello, I am very happy to answer your question. According to your description, it is just a credit card and basically has no impact!

In practice, many of my friends did not have enough down payment before buying a house, so many of them applied for several credit cards to collect the down payment, and the mortgage was also reduced.

Let me talk about my views:

First, it must have an impact:

1. While applying for a mortgage, I also applied for a credit card. It can be understood as the current shortage of funds or economic difficulties;

2. Once banks have doubts and concerns, in order to avoid risks, they often directly refuse without obtaining evidence for verification;

3. But if your personal credit record has always been good and your debts are not high, then the problem will not be big and the impact will not be big.

Second, these are the things to pay attention to:

1. Because the essence of a credit card is also a liability, if you already have a large credit card before applying for a mortgage, it is best to return it. Apply for a mortgage loan again, otherwise the bank will think that the customer's debt is too high and refuse to lend;

2. If you already have multiple credit cards before applying for a mortgage loan, it is best to keep only 2-3, and the other credit limits are small If so, just cancel it and apply for a mortgage, otherwise the bank will think that the customer is applying for cards all over the world and the risk of financial difficulties is high and refuse to lend.

Hope this helps, and good luck to everyone!

If you have any questions, please leave a message or send me a private message.

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If there are no other loan approvals or credit card approvals recently, and there are no serious bad records before, there will be no problem.

Under normal circumstances, there will be no more than 2 inquiries in a month, no more than 6 times in 3 months, and no more than 3 overdue inquiries in half a year. There is still no big problem

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If you just apply for one card, it won’t have much impact. Don't activate the card after you get it. Wait until the mortgage loan is approved before activating it.

Regardless of whether it is before or after the mortgage loan is approved, applying for a credit card will have little impact on the loan.

Banks will not refuse to lend because you apply for a credit card during the mortgage application process. Instead, some business staff may require you to apply for a credit card when applying for a mortgage. Now, whether to disburse a mortgage loan is mainly based on personal income, including personal taxes. Personal qualifications such as a letter, etc., so as long as there are no overdue credit cards, etc.

Hello, it will not be affected. As long as the mortgage review conditions and credit card review conditions are met, both applications can be approved.

To apply for a mortgage loan, you need to meet the following conditions:

Have a local urban permanent residence or valid residence status, and be a Chinese resident aged 18-65;

Have a stable Occupation and income, good credit, and the ability to repay the principal and interest of the loan on time;

Have self-raised funds of more than 20% of the total price of the house purchased, and guarantee that it will be used to pay the down payment of the house purchased;

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Have assets recognized by the bank as mortgage or pledge, or a unit or individual with sufficient repayment capacity as a guarantor to repay the principal and interest of the loan and assume joint liability;

Have a house purchase contract or agreement, The price of the house purchased basically conforms to the assessed value of the bank or the real estate appraisal agency entrusted by the bank;

Other conditions specified by the bank.

In your situation, it shouldn’t have much impact. Before I got a house loan, I asked for a credit card and an online loan.

If you originally have no problem with your credit report and only apply for one credit card, in fact, there will be an additional credit card approval query on your credit report, which will not have a big impact and will not affect your mortgage application

The credit report is good, the half-month salary turnover meets the requirements, and there are basically no big problems