You can use a credit loan.

However, it should be noted that when applying for mortgage loans, cardholders are required to have no overdue behavior or used credit cards in the last two years, and their personal debt ratio should not be too high.

If the cardholder frequently cashes out with a credit card or is considered by the bank's risk control personnel to be at risk of default, it will be rejected.

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The following banks will refuse loans:

1. In general, the credit loan applied by the bank will be displayed in the personal credit record and the bank's loan system. When applying for a mortgage, the lending institution will examine the borrower's personal repayment ability. When applying for a mortgage, the credit loan is in use, which may have a greater impact. Credit loans applied for three months ago are counted as liabilities and included in the consideration of solvency.

2. Therefore, it is suggested that it is best not to apply for a credit loan within three months after applying for a mortgage, because the loan applied for before is in a good state. Everyone's qualifications are different, so many loan products are the most stringent in the review of applying for loans, and many small partners will be rejected because of various qualifications. Every time you submit a credit report, in order to avoid increasing the probability of loan rejection, many details are understood. So having a credit loan in your name will affect your mortgage? In these cases, the mortgage will be rejected!

3. Whether there is a credit loan under the name will affect the mortgage application depends on the specific situation. First of all, it is certain that if the credit loan under the name belongs to online loan, the mortgage will definitely be rejected, because banks are very sensitive to such products and must apply.

4. Secondly, if the debt ratio caused by credit loans exceeds 50%, please bring an impact, because the borrower's repayment ability will be greatly reduced at this time, and the bank may refuse everyone's loan application in order to ensure the safety of funds.

Finally, if everyone owns multiple credit loan products, it may lead to multiple loans and the above situation is obvious. Without considering other qualification issues, the possibility of mortgage application will be greater.

6. In addition to the credit stain of credit lenders, or frequent credit inquiries, it will have a great impact on mortgage approval. When banks examine the qualifications of borrowers, the first thing they examine is personal credit information, so everyone should make sure that there is no problem in this regard. Because mortgage itself is a mortgage product, if it is a second-hand house purchased, it is necessary to review the house. In a similar situation, unclear property rights, more than 20 years old and no real estate license will lead to the rejection of mortgage applications. Some small partners may also provide guarantees for others, so the repayment of others will also have a certain impact on themselves, especially after overdue repayment, the guarantor's credit information will also be tainted, and then it is easy to be rejected when applying for a mortgage.

Second, can I mortgage with a credit loan?

If you have a credit loan, you can also apply for a mortgage loan. However, it should be noted that when applying for a mortgage, the cardholder needs to use the credit card without overdue behavior or breach of contract in the last two years. At the same time, the personal debt ratio should not be too high. If cardholders frequently use credit cards to cash out or make large purchases, it is easy for bank risk control personnel to think that there is a risk of default, which leads to rejection. The above is about whether there is a credit loan to apply for a mortgage.

Procedures required for handling mortgage loans

1. After deciding to buy a house by loan, you must go to the bank to understand the relevant situation, understand whether it meets the conditions for buying a house by loan, and make preparations in advance;

2. Lenders need to bring relevant information before applying for personal housing loans from banks;

3. Wait patiently for the approval of the bank to determine the loan amount;

4. Sign a contract with the bank and issue loans as the last step;

5. The lender cancels the registration after paying off the loan and principal and interest.

This article is mainly about how to obtain mortgage loan with credit loan. The content is for reference only.

Third, there is a credit loan, can the mortgage be approved? _ Anjuke Real Estate Q&A

It doesn't matter. For details of the loan, please contact the bank staff.