As long as there are no serious overdue payments during the period of using the credit card, leaving a bad credit record for the individual, it will generally not affect the mortgage loan.

When reviewing a borrower's repayment ability, the bank will comprehensively look at the borrower's personal income, bank flow, debt ratio, credit report and other aspects to examine the borrower's credit standing, and will also consider the borrower's overdraft liability. The higher the loan amount and debt ratio, the worse the borrower's ability to repay. Banks will generally refuse to provide mortgage loans to people with high debt levels.

Home loans, also known as home mortgage loans, require home buyers to fill in a home mortgage loan application form to the lending bank and provide legal documents such as ID card, income certificate, house sales contract, and guarantee letter. After passing the examination and passing the certification documents that must be submitted, the lending bank promises a loan to the home buyer, and handles real estate mortgage registration and notarization based on the house sales contract provided by the home buyer and the mortgage loan contract entered into between the bank and the home buyer. Within the period specified in the contract, the loaned funds will be directly transferred to the account of the selling unit with the bank.