It does matter. When you take out a loan to buy a house, the bank will check your credit report and liabilities. If your credit card repayments are overdue or the total amount of credit card transactions is high, the bank will use these two items to score your credit report and liabilities, which will cause problems. To buy a house loan.

Bank loan approval process

1. Contact. The customer either consults the bank or the account manager takes the initiative. In short, the first step is for the customer to make initial contact with the bank to indicate their financing needs.

2. Pre-loan investigation. After contact, the bank will start a pre-loan investigation to collect relevant information, including basic customer information, basic information about affiliated companies, basic project conditions, development prospects, policy or industry environment, and information about expected guarantors or properties, etc. .

3. Loan review. After the plan is negotiated and the investigation report is written, all business data will be transferred to the risk control department for review. At this stage, the risk control department will review the project to determine the size of risks and benefits, and draw preliminary review conclusions: agree or disagree, or the amount, interest rate, guarantee method, etc. need to be changed.

4. Loan approval: After passing the risk control review (reviewed by the loan review committee), the business needs to be submitted to the authorizer (usually the president or authorized deputy president, some banks have independent approvers) for approval. Generally speaking, the authorizer has the right to veto a vote, that is, the authorizer may not approve the approved business, but this rarely happens.

5. Sign the contract and complete the procedures: After approval, the customer and the bank sign the relevant contract, complete the mortgage and other procedures, and then wait for the loan.

6. Post-loan management: After the loan is disbursed, the account manager should pay close attention to whether the company is operating normally, whether the project is progressing smoothly, whether the collateral is intact, etc., and urge the company to meet some post-loan approval requirements. At the same time, risk control personnel will monitor the safety of the loan through various off-site monitoring systems and various data.