Having too much credit card debt and overdraft to make installment payments may affect your application for a mortgage loan. The specific instructions are as follows:

1. Credit card debt affects loan approval: When banks consider whether an applicant has the ability to repay, the bank will comprehensively consider the debt burden. If personal credit card debt is too high, past due or default records will have a negative impact on the applicant's credit score.

2. Debt burden to disposable income ratio: Banks usually require borrowers to have a debt burden ratio within a certain range, that is, the ratio of monthly debt payments to monthly disposable income. If the credit card debt is too high and the debt burden ratio exceeds the standard, the bank may consider the applicant's repayment ability to be weak, which will affect the loan approval results.

3. Other factors affect loan approval: In addition to credit card liabilities, banks will also consider other factors, such as the applicant's job stability, income level, credit history, etc. The combination of these factors will affect the approval and interest rate of your home mortgage loan application.

Summary: Excessive credit card debt and overdraft for installment payments will have a negative impact on applying for a home mortgage loan, because banks focus on the borrower's repayment ability and debt burden ratio. In addition to credit card debt, there are other factors to consider related to loan approval.

Extended information: In China, bank loans usually take into account the borrower's income, credit record, debt situation and other factors to evaluate the borrower's repayment ability. According to the "Personal Housing Loan Operating Procedures" issued by the China Banking Regulatory Commission, the debt burden ratio (the ratio of monthly debt payments to monthly disposable income) usually cannot exceed 50%. Therefore, if the credit card debt is too high and the debt burden is too high, it may affect the applicant's home mortgage loan approval result. Before applying for a loan, it is recommended to properly manage credit card debt and maintain a good credit record to increase the chance of a successful loan application.