My husband’s online loan credit card has 200,000 yuan of consumption that is not overdue. Under normal circumstances, it will not affect my wife’s car purchase and manufacturer financing, but it may be affected under special circumstances.

1. My husband’s online loan credit card has 200,000 yuan that has not been overdue. Will it affect my wife’s car purchase and factory financing?

The reason why many friends are worried that online loans will affect loan applications is mainly due to Regarding the impact of housing loan policies, current national regulation strictly prohibits all types of online loan consumption from being used as down payments to buy a house. Therefore, if there is an outstanding online loan on your credit report, the bank will think that your online loan may be used as a down payment, so it is generally difficult to pass. But if you just want to get a loan to buy a car, then the review procedure may not be that complicated. So even if you borrow money online, if you are not overdue, it will not affect your loan to buy a car.

2. It may have an impact under special circumstances

Although it will not affect your loan purchase of a car if it is not overdue, it may have some impact on your wife's car purchase under special circumstances. Influence. When banks approve car loans, they must comprehensively judge the applicant's comprehensive conditions, of which liability is one dimension to be assessed. If you have more online loans and more monthly repayments, and your car loan and mortgage have more monthly repayments, that will have an impact. Usually, it is easier to pass if the total of all liabilities does not exceed 70% of the income. If it exceeds 70%, it is easier to be rejected. Therefore, you must think carefully. If you always borrow money on some platforms, there will be some minor problems with the company's review at this time.

3. Conclusion

If you always borrow money from some loan platforms or banks, then this information can also be found on the Internet, so your wife will handle some related matters in the future. 's business may also be affected, because this time institutions are also afraid of not being able to repay the money. Therefore, everyone should also consider their true situation clearly, and do not take out loans online unless necessary, because these records can be found and may have an impact on you.