The installment payment of the borrower's credit card will affect the mortgage purchase shop. The amount charged by the credit card will record the borrower's debt information. If the borrower's debt is too high, the bank will refuse the loan. At the same time, the credit card installment repayment record is good, which is conducive to handling mortgage loans for shops. The conditions for handling the store mortgage are as follows:

1.

Natural person with age 18-65;

2.

Hold a valid ID card;

3.

Good credit information and no bad records;

4.

Have a stable job and a stable income;

5.

Sales contract or letter of intent for commercial housing with the purchased housing;

6.

Have the ability to pay the down payment of the purchased house;

7.

Open a personal settlement account in a bank with effective guarantee;

8.

Other conditions stipulated by the bank.